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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Senior Risk Manager