Job description
This opportunity is with a dynamic, multi-disciplinary company licensed in Malta with an international background in a fast-moving, innovative crypto-assets space. ZBX is growing and is creating career development opportunities within its team.
The Senior Risk Manager will be responsible for developing, implementing, and overseeing ZBX’s risk management framework, ensuring the organisation effectively identifies, assesses, and mitigates risks in line with regulatory requirements under MiCA, PSD2, DORA and other applicable frameworks.
Role Specification:
You will join tight-knit team, collaborating closely with compliance, operations, and senior management while reporting to the Board of Directors and Risk and Compliance Committee.
This opportunity is in a growing yet niche sector of digital finance, offering unique areas of learning and professional growth.
ZBX is a scaleup. Early-stage businesses like ZBX need resourceful, intelligent, and high-energy individuals who are pragmatic and goal-oriented. In a small business, we may need to be hands-on, handle ambiguity, and operate with limited resources.
Experience and Background
The candidate should have strong experience in risk management within crypto-asset services, payments, e-money institutions, or broader fintech sectors.
Essential Requirements
- Bachelor’s degree in Risk Management, Finance, Economics, Business Administration, Crypto knowledge or related field
- Minimum 5 years of experience in risk management within EU/Malta regulated crypto-asset or fintech institutions
- Strong understanding of risk frameworks (enterprise risk, operational risk, financial risk)
- Proven experience within Banking, Electronic Money Institutions (EMI) or Payment Institutions (PI), including knowledge of PSD2 requirements
- Experience in developing and maintaining risk management frameworks, policies, and risk registers
- Demonstrated ability to perform risk assessments and implement mitigation strategies
Highly Desirable
- Familiarity with MiCA and DORA regulatory frameworks
- Understanding of AML/CFT risks and controls
- Experience interacting with MFSA or other EU regulators
- Professional certifications (FRM, PRM, ICA, or equivalent)
- Experience in crypto-asset risk environments
Key Responsibilities:
Risk Framework & Governance
- Develop, implement, and maintain the enterprise risk management framework
- Define risk appetite, tolerance levels, and key risk indicators (KRIs)
- Ensure alignment of risk management practices with regulatory requirements (MiCA, PSD2, DORA)
Risk Identification & Assessment
- Conduct regular risk assessments across all business functions
- Identify emerging risks in crypto-assets, payments, and operational processes
- Maintain and update the organisation’s risk register
Monitoring & Reporting
- Monitor risk exposures and key risk indicators
- Prepare risk reports for senior management and the Board of Directors
- Provide insights and recommendations to support strategic decision-making
Policy Development & Controls
- Develop and maintain risk management policies and procedures
- Ensure effective internal controls are in place and operating effectively
- Collaborate with compliance to ensure alignment between risk and regulatory frameworks
Regulatory & Stakeholder Engagement
- Support regulatory reporting and interactions with authorities such as MFSA, EBA, and ESMA
- Ensure risk practices meet evolving regulatory expectations
- Contribute to regulatory inspections and audits
Incident & Risk Event Management
- Oversee the identification, assessment, and management of risk incidents
- Ensure proper documentation and escalation of material risk events
- Track remediation actions and ensure timely resolution
Risk Culture & Awareness
- Promote a strong risk culture across the organisation
- Provide guidance and training to staff on risk management practices
- Support embedding risk awareness into business processes
PERFORMANCE INDICATORS
- Effectiveness of risk identification and mitigation strategies
- Quality and timeliness of risk reporting
- Implementation and maintenance of risk frameworks and policies
- Reduction and management of key risk exposures
- Successful handling of regulatory expectations and audits
Your Profile
- Strong communication, literacy (verbal and written), and analytical skills
- Critical thinking and ability to exercise independent judgment
- Highly self-motivated and proactive
- Ability to prioritize and execute tasks under pressure
- Ability to work both independently and as part of a team
What we offer
- Opportunity to join a fast-growing, innovative company operating at the forefront of the crypto-assets and digital finance industry
- A dynamic and collaborative work environment within a young, high-performing team
- Exposure to a wide range of risk, regulatory, and strategic challenges in a niche and evolving sector
- Career growth opportunities in an early-stage company where your impact is visible and valued
- Direct involvement with senior management and key decision-making processes
- Ongoing learning and professional development in areas such as MiCA, PSD2, and DORA
- Competitive remuneration package aligned with experience and market standards
- Flexible and hands-on working environment that encourages initiative and ownership
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