Senior Risk Manager

Job description

**ABOUT US** Glomo is India's first licensed Payment Service Provider (PSP) at GIFT IFSC and a pioneer in cross-border payments. Backed by 100+ years of combined industry expertise, we deliver seamless, compliant financial solutions that power India's global ambitions. Build the infrastructure behind India's cross-border economy from the ground up. **ROLE SUMMARY** Own and mature Glomo's enterprise risk framework and lead the risk function as we scale. Reporting to the Head of Risk and Compliance, the role spans enterprise-wide risk assessment, transaction monitoring, onboarding, and operational and third-party risk, translating regulatory expectations into practical controls that safeguard the company while enabling growth. **KEY RESPONSIBILITIES** - Own the Enterprise-Wide Risk Assessment (EWRA) end to end across customer, product/service, geographic, delivery-channel, and transaction risk; refresh on a defined cadence and on trigger events. - Own transaction monitoring: design, calibrate, and tune rules and thresholds; oversee alert quality and disposition; and govern review and approval/rejection of suspicious transactions against regulatory and internal policy. - Own the merchant/customer onboarding risk framework (KYC/KYB, CDD/EDD, UBO, sanctions/PEP screening); set risk-based onboarding criteria and re-KYC/re-rating triggers, and adjudicate high-risk cases. - Develop internal risk policies; define and monitor risk appetite, KRIs, and thresholds; and produce risk dashboards and reports for senior management, the MLRO/Principal Officer, and the Board. - Lead, mentor, and build the risk team into a high-performing second line, and drive risk and compliance training and awareness across the organisation. - Manage operational, fraud, and third-party/banking-partner risk, including correspondent/nostro due diligence, and drive remediation of control gaps to closure. - Partner with Compliance, Legal, and FinCrime on AML/CFT risk and STR/CBWTR reporting to FIU-IND; support audits (ISO 37301/27001) and regulatory examinations; and stay current on IFSCA, RBI, PMLA, and FATF guidance. **REQUIREMENTS** - 8 to 12 years in enterprise / operational / financial crime risk within fintech, payments, banks, or NBFCs, including team leadership. - Strong grasp of AML and cross-border payment typologies (layering, structuring), KYC/CDD/EDD, sanctions and PEP screening, and the PMLA landscape. - Hands-on with transaction monitoring and case management systems (rule design, threshold calibration, alert-to-STR/CBWTR workflows); able to build risk frameworks and registers from first principles. - CAMS certification desired. **SKILLS** - Strong analytical, data-analysis, communication, and project-management skills, with the ability to present complex risk clearly to senior stakeholders and the Board. **PREFERRED** - Experience with cross-border payments ecosystems, correspondent / nostro banking, and SWIFT.