Fnality is building the future of financial market infrastructure – creating regulated, blockchain-based payment systems to power tomorrow’s wholesale banking ecosystem. Backed by leading global banks and operating at the intersection of technology, finance, and regulation, we are powering the future of finance, together. There are no precedents for what we're doing. With you on our side, we'll be setting new ones every day.

Working at Fnality

Be your best: We have a supportive culture that helps to bring the best out of each and every single one of our employees.

Feel free to explore: Bring your new ideas and help us to solve problems together by joining a community of experts.

Be part of something bigger: We will support you by fostering an open, honest culture, that enables flexibility and wellbeing. Feel part of something bigger while being yourself. 

Feel empowered: We want you to feel empowered. The nature of our business can help make this a reality. We have the agility, speed and innovation of a start-up, and a flexible working environment that enables this.

Role Purpose

Fnality US will be the newest entity within the Fnality Global Payments ecosystem, the operator of a new regulated payment system for the United States of America.

This is a foundational leadership role with broad influence, working in close partnership with the Head of Fnality US and senior stakeholders across Fnality’s international footprint.

Fnality US is seeking an experienced risk and compliance leader to develop, own, and continuously advance the risk management and compliance frameworks for the USD Fnality Payment System. You will operate as Fnality US’s primary subject matter expert across financial, operational, technology, cyber, and regulatory risk – ensuring robust controls while enabling innovation.

This role also carries oversight responsibility for BSA/AML and financial crime frameworks, ensuring the organisation meets applicable US regulatory expectations as it launches and scales.

Key Responsibilities

Strategic Leadership & Governance

Serve as the executive owner for all risk and compliance activities within Fnality US
Provide strategic leadership shaping the organisation’s risk, compliance, and resilience strategy as the USD FnPS grows
Partner closely with the Head of Fnality US on entity strategy, regulatory engagement, and external stakeholder management
Establish and lead the US risk governance structure (e.g., Risk section of the Audit & Risk Committee, policy frameworks, reporting)

Risk Management & Resilience

Deploy and operate the Fnality US Risk Management Framework, covering identification, assessment, treatment, monitoring, and reporting
Lead the oversight of incident management, operational events, and control effectiveness
Ensure compliance with regulatory requirements related to cyber security, technology risk, and operational resilience for FMIs
Provide expert oversight of model, liquidity, operational, and third‑party risks

BSA/AML & Financial Crime Oversight

Develop and maintain BSA/AML and financial crime frameworks appropriate for a regulated FMI
Oversee AML/KYC standards, transaction monitoring design, suspicious activity management, and reporting obligations
Advise the Board and senior leadership on emerging financial crime risks and regulatory expectations

Regulator Engagement & Reporting

Act as a senior counterpart to the Federal Reserve and relevant US regulators, supporting the Head of Fnality US in strategic regulatory relationships
Ensure high‑quality, transparent reporting to regulators and the Fnality US Board
Represent Fnality US within global risk and compliance forums across the Fnality ecosystem

Cross‑Jurisdiction & Ecosystem Collaboration

Coordinate with other Fnality legal entities to ensure cross‑jurisdictional alignment of risk and compliance practices
Support the development of new use cases (e.g., PvP with other Fnality Payment Systems, DvP with partner platforms), managing related partnership risk
Double hat as an active senior member of the Group Risk function, contributing to that team objectives and deliverables.

Required Competencies

Operate at senior level, partnering closely with the Head of Fnality US and reporting to the Board
Build a strong, embedded risk and compliance culture across a new organisation
Design and implement the integrated risk, operational resilience, and BSA/AML frameworks for Fnality US
Provide authoritative guidance on regulatory expectations for FMIs, including cyber and operational resilience
Build Fnality US’s external credibility through confident, proactive engagement with US regulators
Collaborate with global colleagues to maintain consistent cross‑jurisdictional risk and compliance standards
Regular engagement with regulators on the US East Coast will be required, and some travel to the UK may be necessary

Required Skills And Experience

Extensive senior leadership experience in risk management or compliance within FMIs, banking, or financial services
Demonstrated ability to operate in a regulated environment, ideally including direct experience with the Federal Reserve or other relevant regulators
Proven experience engaging at Board and C‑suite level
Strong understanding of US regulatory frameworks for FMIs, including cyber, operational resilience, and payments regulation
Direct experience designing and managing BSA/AML and financial crime programmes
Experience working in fintech, start‑ups, or other high‑growth, fast‑evolving environments is highly desirable
Knowledge of wholesale payments, distributed ledger technologies, and cyber security is preferred

Why should you join Fnality?

We employ curious individuals who thrive working in a fast-paced and constantly changing environment, who work best when empowered to drive their own work, and who are not afraid to fail fast and learn quicker.

You will be an analytical thinker who is able to look at tasks and understand the most efficient way to achieve the desired outcome. You will be vigilantly outcomes-focussed and have an insatiable desire to learn, adept at picking up new challenges and giving anything a go. You will want to deliver as much as learn and you will understand how important the power of the team is.

A Bit More About Us

Digital transformation is changing our lives, work and businesses. While other sectors evolve, however, financial markets remain slow, fragmented and siloed. What the world needs now is a future-facing financial system for the digital age.

At Fnality, we have been speaking – and listening – to the real users of today’s financial systems. From businesses to banks, there is a clear, collective ambition for a simpler, faster, safer and more resilient payment system; one that can move and settle money quickly and efficiently, with minimized risk and much more transparency.

Fnality Global Payments

We are building a network of new payment systems that will enable tokenised, peer-to-peer markets.

Fnality Global Payments (FnGP) will comprise a series of national systems, each regulated in its home jurisdiction. We call each of these a Fnality Payment System (FnPS).

In each payment system, a Fnality settlement asset will act as the settlement/payment asset for any Payment (P), Delivery v, Payment (DvP) or payment vs. payment (PvP) need.

FnGP are underpinned by Distributed Ledger Technology (DLT). The nature of DLT is such that it enables FnGP to:

Operate a true peer-to-peer market
Allow for immediate settlement
Interoperate across business platforms and jurisdictions

The Key Benefits Of The Above Are

Reduced counter-party and credit risk
Reduced operational risk
Efficient liquidity management
An ability to move resources from risk mitigation to business growth

Eligibility

This Head of Risk role is with the entity running the US FnPS, it is a Connecticut based role and you must be eligible to work in the US. Please note we cannot sponsor visas for this role.

How will we use the information about you?

We will use your personal information to process your application, to enable us to assess your suitability for a role and for other legitimate business purposes such as improving our sites and talent management practices. We may share your data with third parties to achieve these purposes. We will not use or share your information for marketing purposes.

We will take appropriate security measures to safeguard your information in accordance with data protection legislation. If you would like further information about how your information may be processed by us, please contact us at privacy@fnality.org.

Fnality jobs

Head of Risk - FnUS