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Head of Compliance & Risk Location: UK - London Entity: Viva Wallet.com Ltd, trading as viva.com Regulatory status: FCA-authorised Electronic money Institution About Viva.com Viva.com is the first Tech Bank in Europe for businesses, serving 29 countries through its pan-European critical infrastructure for payments & banking services. Viva.com’s offering spans across omnichannel payment acceptance, deposit accounts, card issuing, and a broad suite of financing solutions - including working capital and advance booking financing - alongside fiscalisation services, giving businesses across all verticals access to the tools they need to run their operations efficiently, on a single integrated platform. Viva.com pioneered and leads in Tap on Any Device technology, enabling acceptance on any Android device or iPhone, while connecting directly to all major international and local card schemes, local payment systems, and alternative payment methods across Europe. Viva Wallet.com Limited -Viva.com's UK subsidiary- is an Electronic-money institution  licensed by the Financial Conduct Authority (FCA FRN 989273) for the provision of E-money and related services within the United Kingdom. Learn more at viva.com About the role: Are you a senior governance, risk and compliance leader with deep UK payments, e-money or financial services experience, looking for an opportunity to shape the control environment of a fast-growing, regulated business? We are seeking an experienced and commercially astute Head of Compliance & Risk  who can combine regulatory judgement, strategic leadership and practical execution to lead the UK Compliance & Risk function of Viva.com. This is a senior leadership role with responsibility for designing, implementing, overseeing and continuously enhancing the UK entity’s risk management, regulatory compliance and internal governance framework. The role does not include MLRO or AML/Financial Crime compliance responsibilities, which are overseen separately. You will ensure that the company’s governance, risk and compliance arrangements remain aligned with the nature, scale and complexity of the UK business, the expectations of the FCA and applicable UK regulatory requirements. As the Head of Compliance & Risk, you will serve as a key advisor to the Executive team and Board, ensuring the organisation maintains the highest standards of regulatory compliance, governance and risk management — while remaining the primary point of contact with the FCA and other relevant authorities and stakeholders. The role has direct functional access to the Board of Directors and relevant Board Committees.   What You’ll Be Doing Risk Management & Regulatory Compliance Lead and continuously enhance the UK governance, risk and regulatory compliance framework, ensuring it remains appropriate to the entity’s business model, regulatory permissions, operational structure and risk profile. Monitor, assess and report on the company’s exposure to regulatory compliance, operational, conduct, governance and enterprise-wide risks, ensuring timely escalation of material issues, breaches, control weaknesses and remediation actions. Develop, implement, and maintain a comprehensive risk and regulatory compliance framework, with associated policies, procedures, systems and controls that meet FCA expectations. Lead the development and execution of the annual risk assessment (RCSA), the annual compliance monitoring plan, as well as ad hoc monitoring testing and thematic reviews on risk-based approach. Maintain and embed the Enterprise-Wide Risk Management Framework and Risk Appetite Framework, ensuring they remain fit for purpose and aligned with the company's strategic objectives. Establish and report Key Risk Indicators (KRIs) at entity and business-unit level and ensuring material risk events are escalated promptly to the relevant governing bodies.