Transaction Banking, EMEA Head of Risk & Client Activity Monitoring (1st LoD), Executive Director, London
Job Description
We aim to build a modern and digital-first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide a best-in-class digital product that helps clients succeed by giving them a holistic view of their business. Through modern technology built on the cloud, we are an alternative to legacy platforms, providing a simple, intuitive, secure, and frictionless experience for domestic, cross-border, and cross-currency payments.
Role Overview
The TxB International Risk Manager plays a critical role in identifying, assessing, and mitigating risks within the Transaction Banking business. You will oversee a regional risk strategy across all risk disciplines, including financial crime compliance, execution and process risks, financial risks, and resilience. You will ensure growth is supported by a robust risk culture aligned with global frameworks and EMEA regulatory requirements. You will report to the TxB Global Head of Risk and act as a senior leader within the broader EMEA management team.
Key Responsibilities
* Develop and lead a high-performing EMEA risk team, fostering connectivity with regional and global stakeholders.
* Represent Risk in regional TxB leadership forums, risk councils, client selection forums, new product approvals, and change management programs.
* Advise business leaders on risks related to client onboarding, new client or product expansion, ensuring growth remains within risk tolerance and strategic objectives.
* Oversee global client activity monitoring processes to ensure client behavior, transaction patterns, and account usage stay within risk appetite, collaborating with compliance to assess risk signals and emerging concerns.
* Oversee the global fraud risk strategy, monitoring frameworks, and incident response; serve as an escalation point for potential fraud events and collaborate with global fraud operations.
* Own regional accountability for business continuity, crisis management, and operational resilience planning, ensuring compliance with regulatory resilience requirements and internal policies.
* Work with compliance and legal teams to interpret regulatory obligations and translate them into operational practices.
* Act as the key Risk contact for regional regulators, supporting regulatory submissions, inspections, and adapting to regulatory changes.
* Drive a proactive and embedded risk culture across all lines of defense.
Experience & Qualifications
* 10+ years of experience in financial services, focusing on transaction banking, treasury services, or corporate banking, ideally from a 1st Line of Defense perspective.
* Expertise in client activity monitoring, financial crime compliance risks, fraud prevention and detection, and operational risks.
* Deep understanding of the EMEA regulatory landscape and supervisory priorities.
* Effective communication and leadership skills to drive results across products and functions.
* Ability to build rapport and work closely with key stakeholders.
* Risk-based thinking and an analytical mindset.
* A self-starter capable of working independently in a start-up environment.
About Goldman Sachs
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