Head of Risk

ABOUT AIRWALLEX Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles https://www.airwallex.com/en-us/operating-principles to see it in full. About the team The Global Risk team at Airwallex plays a critical role in enabling the company’s growth by building a strong, scalable, and globally consistent approach to risk management. The team works across the business to define risk appetite, develop frameworks and policies, support strategic decision-making, and provide oversight of key risks as Airwallex expands across products, markets, and regulatory environments. You’ll be part of a highly collaborative group that partners closely with Product, Engineering, Operations, Commercial, Financial Crime Compliance, Regulatory Compliance, and Legal teams to help Airwallex grow responsibly and with confidence. This is a team where you’ll tackle complex, high-impact challenges, shape how risk is managed at a global fintech, and help build the foundations for long-term scale. What you'll do As Head of Risk, you will lead and scale Airwallex’s global second line risk management function across our worldwide operations. This is a senior leadership role for someone who can turn risk management into a business enabler by building robust frameworks, clear governance, effective monitoring, and a strong risk culture across a fast-growing fintech. You will work closely with the Chief Regulatory and Compliance Officer and senior executives across the company to shape Airwallex’s risk strategy, strengthen enterprise oversight, and ensure our products, markets, and entities operate within approved risk appetite and tolerance levels. This role is based in UK/Netherlands. Responsibilities: - Develop and lead Airwallex’s global risk management function and framework, spanning risk monitoring, detection, policy development, governance, escalation, and assurance activities across the Group’s worldwide operations. - Create and execute risk strategies, guidelines, performance metrics, and monitoring mechanisms that identify and mitigate vulnerabilities across Airwallex’s existing and future products, while keeping risk management aligned to business priorities and approved risk appetite. - Partner closely with Risk Product, Risk Operations, Engineering, Product, Data Science, Commercial, Operations, Compliance, and other stakeholders to manage risk at the product, portfolio, market, merchant, and entity levels. - Communicate Airwallex’s risk appetite clearly and effectively across the company, helping teams make sound decisions and strengthening consistent adoption of risk standards and accountability. - Collaborate with business, operations, technology, and product leaders to deliver measurable business outcomes while minimising exposure to financial crime, fraud, counterparty, liability, and broader enterprise risks. - Monitor, enhance, and embed the Risk Management Framework so that all global entities operate within acceptable risk tolerance levels and in line with Airwallex’s governance expectations. - Work closely with the Chief Regulatory and Compliance Officer, the CEO, and other senior executives on risk, control, governance, and strategic decision-making topics, including escalation of material issues where appropriate. - Advise management on external risk, governance, and regulatory requirements across the markets in which Airwallex operates, and help ensure the company’s risk posture evolves with its global footprint. - Champion a strong and practical risk culture across Airwallex by reinforcing that risk excellence is a competitive advantage and a shared responsibility across the company. - Recruit, develop, and lead a high performing global team of risk professionals, and help build a scalable second line organisation that can support Airwallex’s next phase of growth. Who you are We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory. Minimum qualifications: - Bachelor’s degree in Finance, Accounting, Risk Management, Law, or a related field. - 15+ years of relevant experience in Risk Management, Compliance, Control, or Audit within fintech, payments, remittance, banking, or broader financial services. - Strong experience building or leading risk management frameworks, governance models, and oversight programmes in a complex, multi jurisdiction environment. - Demonstrated ability to define and operationalise risk appetite, policies, metrics, and escalation processes that support business growth while maintaining effective control standards. - Experience working closely with senior management and cross functional teams, with excellent verbal and written communication skills and the ability to influence at executive level. - Experience leading international teams and operating effectively in a fast-paced environment with high standards, evolving priorities, and significant cross functional collaboration. Preferred qualifications: - Experience in fintech and financial services, especially in payments, consumer finance, remittance, or o