Enterprise Risk Manager (m/f/d)

Serve as the (local) subject matter expert, supporting teams and individuals in financial and non-financial risk-related topics with in-depth expertise in financial risk (capital adequacy, liquidity, credit/counterparty, market and settlement risk).

Ensure effective/sound implementation and integration of the risk management framework across all Unzer entities, adhering to relevant regulatory requirements (EBA, CSSF, MaRisk, DFSA, and/or other applicable EU regulations), including risk appetite statement and the derived financial and non-financial risk limits and thresholds.

Identify and address gaps in the risk framework while proactively proposing solutions, changes, or preventive measures; conduct risk analyses and review existing controls for effectiveness, including scenario and stress testing as well as risk reporting with key risk indicators for management and committees.

Assess, review, and contribute to continually improve the risk management framework, ensuring it remains effective amid changing regulatory and business needs.

Contribute with developing, updating, and maintaining risk policies, procedures, and related documentation across both risk domains.

Support both internal and external audits, including regulatory audits; implement and monitor of trainings and programs to promote risk awareness within the organization; collaborate independently with other Group Risk Control functions on projects, tasks and enterprise risk-related initiatives, seeking guidance for complex or unfamiliar scenarios.

Solid knowledge of regulatory requirements concerning financial (enterprise) risk – e.g. capital and liquidity adequacy and safeguarding of client funds on the financial side, and internal control and operational risk requirements on the non-financial side.

Solid experience with internal control systems and risk management frameworks, with an understanding of payment/financial services and/or acquiring business operations considered an advantage.

Exposed to and having knowledge of relevant European regulations, with emphasis on German, Luxembourg, and Danish requirements.

At least 3 years of experience in the fields of enterprise risk, risk control, risk management, audit, or consulting, ideally with a demonstrable focus on financial risk topics; strong quantitative and analytical skills and confident handling of financial data, risk metrics and reporting tools.

Ability to interpret regulations and clearly present conclusions and plans to a range of stakeholders, both orally and in writing.

Proficiency in English, German, and/or Danish, with strong verbal and written communication skills.