About Ni CKEL

Ni CKEL is one of Europe's great success stories in the Fintech industry and has become a well recognized actor for financial inclusion. Thanks to a unique distribution model, everyone can open a current account in only 5 minutes in a local store around the corner.

What drives us at Ni CKEL?

Offering a simple and useful payment alternative to pay and get paid.

Launched in 2014, Ni CKEL has already opened more than 3 million accounts and has more than 9000 participating stores, transformed into small agents in Europe. We employ more than 830 employees across 5 countries.

About the Position

The position is based in Lisbon. Within the Ni CKEL RISK department, the Operational Risk Officer for Ni CKEL Portugal will contribute to the oversight of Ni CKEL Portugal operational risk management including data protection frameworks and will be directly reporting to the ORO's Manager of Ni CKEL.

The RISK department is an integrated second-line-of-defense function acting both as guarantor of the risk management framework and as a partner to the Business Units in the development of the business. As of today, the RISK department is composed of 7 people (including one Data Protection Officer), currently overseeing operational risks and data protection topics.

The Operational Risk Officer of Ni CKEL Portugal is primarily responsible for:

• He/She will play a key role in the team by actively participating in the identification and assessment of the local risks faced by Ni CKEL Portugal in its payment activity.

• He/She will be the risks and data protection referent representing locally the RISK department by attending executive committees and other Group committees.

• On a day-to-day basis, he/she will ensure the robustness of the local control framework aiming at monitoring and mitigating operational risks. He/she will also be asked to take part in cross-functional projects with the Business Units and other integrated functions (Legal and Compliance).

• In coordination with both Ni CKEL Data Protection Officer (DPO) and the Territory Data Protection Officer (T-DPO), he/she will act as a local Data Protection Correspondent (DPC) to ensure that the organization processes any personal data in compliance with the applicable data protection rule. Accordingly, he/she will be in charge of controlling, in an independent manner, the local framework related to GDPR.

• Then, he/she will also have a transversal role within Ni CKEL and Ni CKEL RISK function by acting as a subject matter expert on the permanent control framework.

This position will require travels to the head offices based next to Paris (France) on a regular basis.

About the Profile

The ideal candidate should have the following profile:

• At least 5 years experience in banking or payment industry with a control function background;

• Portuguese and English are mandatory, French is a plus;

• Team player;

• Integrity & Accuracy;

• Independent;

• Problem solving & decision-making capacity;

• Reliability;

• General knowledge of applicable regulatory framework.

You want to join a European Fintech and a dynamic team, apply online!

Job Description

Function: Operational RISK Officer

Department: RISK FPE

Reporting Line : RISK Manager

Description

Within the FPE (Nickel) RISK department, the Operational Risk Officer, based in Portugal (Lisbon), will contribute to the oversight of Ni CKEL Portugal operational risk management including data protection frameworks.

The RISK department is an integrated second-line-of-defense function acting both as guarantor of the risk management framework and as a partner to the Business Units in the development of the business.

• He/she will play a key role in the team by actively participating in the identification and assessment of the local risks faced by Ni CKEL Portugal in its payment activity.

• He/She will be the risks and data protection referent representing locally the RISK department by attending executive committees and other Group committees.

• On a day-to-day basis, he/she will ensure the robustness of the local control framework aiming at monitoring and mitigating operational risks. He/she will also be asked to take part in cross-functional projects with the Business Units and other integrated functions (Legal and Compliance).

• In coordination with Ni CKEL Data Protection Officer (DPO) and as a local data protection correspondent, he/she will be in charge of controlling, in an independent manner, the local framework related to GDPR.

• Then, he/she will also have a transversal role within Ni CKEL and Ni CKEL RISK function by acting as a subject matter expert on the permanent control framework.

As of today, the RISK department is composed of 7 people (including one Data Protection Officer), currently overseeing operational risks and data protection topics.

This position requires travel to the head office based next to Paris (France) on a regular basis (circa 3-4 consecutive days once per month).

Portuguese and English are mandatory, French is a plus.

You have at least 5 years experience in banking or payment industry with a control function background, you want to join an European Fintech and a dynamic team, send your resume!

Main Responsibilities

The Operational Risk Officer:

o Organisation and Procedures

• Define and ensure the appropriate implementation of a coherent, comprehensible and accountable ORM (Operational Risk Management) framework within the Portuguese entity;

o Identification & assessment of Operational risks

• Check and challenge the identification and assessment of risks (including control plans) carried out by Lo D1 in the Portuguse entity and ensure compliance with overall documentation;

• Give their opinion on any derogations from the overall system.

o Controls and independent testing

• At the appropriate level, check that the control library defined by the Business Lines, transversal activities or other Functions and that the local control plans are in line with the Group's rules.

• Formulate its opinion on derogations from the first line of defense control framework.

• Carry out an independent challenge of the first line of defense control framework, based on a risk-based approach.

o Management of historical operational risk incidents

• Contribute to the process of managing historical incidents, in particular by challenging local processes for identifying root causes and associated action plans, and monitoring their implementation.

• Ensure that incidents are correctly identified, including an estimate of their impact, recorded and updated in the tools, within the defined deadlines.

• Check and challenge historical incidents recorded by the first line of defense within the set deadlines.

o Action plans, recommendations and permanent control actions

o Supervise the action plans of the first line of defense and monitor their implementation as well as that of the recommendations of the supervisory bodies or the General Inspection.

o Alerts and Reporting :

o Investigate, alert, escalate and report to the appropriate management level any operational risk incident or recurring weakness, including in the organisational system.

o Provide periodic and ad hoc reports on operational risk components for management and regulatory purposes.

o Governance and Committee

o Contribute to providing a vision of the entity's risk profile for Nickel's management and for the Group.

o Data Protection Correspondance

o Ensure correct management of local Data subject rights processing and contribution to DPA complains

o Contribute to local Data breach management and to the DPA notification GDPR reporting

o Wit the help of the DPO, continuously train the local team

CONTACTs

Internal

CEO / CFO

Directors

OPC

Other FPE Managers

External

RISK ORM BNP Paribas

Territory DPO BNP Paribas

Supervisory Bodies

Key Skills

• Knowledge of organisation, business & processes

• Ability to multi-task/project

• Ability to meet deadlines and deadlines quickly

• Ability to listen and analyse

• Thoroughness and & attention to detail

• Team spirit

• Proactive

• Autonomy

• Ability to cooperate

• Ability to express opinions clearly and fluently

• Analysis / Synthesis

• Perseverance / tenacity

• Ability to sound the alarm

• Office tools

• Risk culture

• Regulatory

• English/Portuguese

• French is a plus
  

Job ID 12357576