Location: London, United Kingdom

Department: Risk & Compliance

Here at Fnality, we are powering the future of finance, together: combining best in class technology with free-flowing creativity, and expertise that can make business better for everyone. There are no precedents for what we’re doing. With you on our side, we’ll be setting new ones every day.

In a complex world, we are here to bring clarity and make positive change.

Working at Fnality

Be your best: We have a supportive culture that helps to bring the best out of each and every single one of our employees. We work as a fully Agile company: everyone is part of a multi-disciplined outcome-driven team.

Feel free to explore: Bring your new ideas and help us to solve problems together. By joining a community of experts, you will get opportunities that do not exist elsewhere, as well as learn a wide range of different skills than you would learn only after many years in the usual financial circles. We place a big emphasis on fostering individual freedom and creativity in the workplace, so feel free to explore new directions and specialisms.

Be part of something bigger: We will support you by fostering an open, honest culture, that embraces diversity practices, inclusivity and enables wellbeing. Feel part of something bigger while being yourself.

Feel empowered: We want you to feel empowered. The nature of our business can help make this a reality. We have the stability and experience of a large financial company, so you will have plenty of momentum behind you. We also have the agility, speed and innovation of a start-up, so if you are willing to be flexible, the future is limitless.

The role:

The Risk Analyst will work in the Fnality International organisation which is primarily a product development company.

The role will be a cross-functional role, to support various initiatives with the Risk team.

Risk Responsibilities:

Risk Management Framework

  • Assist the Head of Risk and Ops to implement of the risk framework for Fnality International to ensure full compliance with regulatory expectations whilst maintaining the Fnality Ways of Working approach
  • Reporting on the risk management of Fnality International internally (eg to the Head of Risk, CEO) and assisting with creating content for external reporting, building effective working relationships with stakeholders across the business
  • Facilitate and contribute to risk forums, including running the Fnality International ERM meetings and ensuring follow up actions are logged and tracked.

Promoting Risk Culture:

  • Promote a risk culture that is embedded in every policy and process of the company (Technology, Security, Personnel, Environment etc)
  • Working with leaders across the business to help them monitor and identify risks and improve controls in their business area

Industry Knowledge

  • Taking a hands-on approach to staying informed, provide insight and guidance to the internal team
  • Build an understanding of relevant regulations and requirements and policies applicable to Fnality and the broader industry we operate in

Third Party Risk Management

  • Third party risk management meets the standards where relevant sufficient to deliver products and services to an RPSO

Policy & Procedure

  • Working with the Head of Risk & Ops to ensure relevant risk policies and procedures are drafted, and kept up to date

Product Operations Responsibilities:

Process Management:

  • Establish and maintain efficient product development processes that align with lean and agile methodologies.
  • Continuously improve processes to increase efficiency, reduce waste, and enhance product delivery speed.
  • Ensure adherence to established processes across cross-functional teams involved in product development

Project Coordination:

  • Plan for and facilitate agile ceremonies for the Ops & Risk team, including standups, sprint planning, retrospectives and decompositions.
  • Coordinate across the Fnality ecosystem with product managers, delivery teams, SMEs, and other stakeholders to ensure clear communication and collaboration.
  • Facilitate or input into wider cross team initiatives such as sprint planning, central backlog grooming, and associated retrospectives to keep projects on track and remove impediments.
  • Track project progress and report key metrics to stakeholders, identifying potential risks and proposing mitigation strategies.

Data Analysis and Insights:

  • Utilise data analytics tools to gather insights on product usage, customer feedback, and market trends.
  • Analyse data to identify opportunities for product improvements, feature enhancements, or new product ideas.
  • Communicate findings to relevant stakeholders and incorporate insights into product development decisions.

Cross-functional Collaboration:

  • Act as a bridge between different teams, entities, fostering collaboration and alignment towards shared product goals.
  • Work closely with product managers to translate business objectives into actionable tasks for teams.
  • Collaborate with commercial, marketing, and customer support teams to gather feedback and ensure the product meets customer needs

Customer Centric Continuous Improvement:

  • Understanding of Fnality’s customers and the value they receive from us, keeping them at the forefront of all decisions, while also taking a pragmatic view of what can be realistically achieved.
  • Implement quality assurance processes to maintain high standards for product performance and user experience.
  • Drive a culture of continuous improvement by encouraging experimentation, learning, and adaptation.
  • Conduct regular retrospectives to reflect on team performance and identify areas for improvement in processes, tools, or skills.

Additional Responsibilities

L3 Support

  • All Ops & Risk team members take part in providing L3 support. Full training will be provided, and you will be on call for half day shifts, currently either 8am-1pm or 1pm-6pm. There are very occasional requests for L3 support cover during weekend and evenings. Based on current understanding for 2025 this may be required 2-3 times per team member per year.

Competencies required

The key competencies for this role are:

  • Product Roadmaps (cyclical – organise work)
  • Market Research; User Research/Testing
  • Delivery Partner/Vendor Management
  • Project Management
  • Regulatory Operations, Mindset, & Engagement
  • Risk Culture
  • Risk Management
  • Control Design
  • Commercial Model Knowledge
  • Policy, process, procedure and controls Documentation
  • Policy, process, procedure and controls Implementation

Even if you don’t have experience in all of these areas, we’re open to motivated individuals with at least some relevant experience, who can demonstrate a continuous learning mentality, and a willingness to get stuck in and use their initiative to collaborate and upskill in the areas they are less familiar with.

Why should you join Fnality?

We employ curious individuals who thrive working in a fast paced and constantly changing environment, who work best when empowered to drive their own work, and who are not afraid to fail fast and learn quicker.

You will be an analytical thinker who is able to look at tasks and understand the most efficient way to achieve the desired outcome. You will be vigilantly outcomes-focussed and fully agile in your approach to working. You will have an insatiable desire to learn, adept at picking up new challenges and giving anything a go. You will want to deliver as much as learn and you will understand how important the power of the team is.

A bit more about us

Digital transformation is changing our lives, work and businesses. While other sectors evolve, however, financial markets remain slow, fragmented and siloed. What the world needs now is a future-facing financial system for the digital age.

At Fnality, we have been speaking – and listening – to the real users of today’s financial systems. From businesses to banks, there is a clear, collective ambition for a simpler, faster, safer and more resilient payment system; one that can move and settle money quickly and efficiently, with minimized risk and much more transparency.

Fnality Global Payments

We are building a network of new payment systems that will enable tokenised, peer-to-peer markets.

Fnality Global Payments (FnGP) will comprise a series of national systems, each regulated in its home jurisdiction. We call each of these a Fnality Payment System (FnPS).

In each payment system, a Fnality settlement asset will act as the settlement/payment asset for any Payment (P), Delivery v, Payment (DvP) or payment vs. payment (PvP) need.

FnGP are underpinned by Distributed Ledger Technology (DLT). The nature of DLT is such that it enables FnGP to:

  • Operate a true peer-to-peer market
  • Allow for immediate settlement
  • Interoperate across business platforms and jurisdictions

The key benefits of the above are:

  • Reduced counter-party and credit risk
  • Reduced operational risk
  • Efficient liquidity management
  • An ability to move resources from risk mitigation to business growth

Eligibility

This role is a UK based role and you must be eligible to work in the UK. Please note we cannot sponsor visas for this role.

How will we use the information about you?

We will use your personal information to process your application, to enable us to assess your suitability for a role and for other legitimate business purposes such as improving our sites and talent management practices. We may share your data with third parties to achieve these purposes. We will not use or share your information for marketing purposes.

We will take appropriate security measures to safeguard your information in accordance with data protection legislation.

If you would like further information about how your information may be processed by us, please contact us at privacy@fnality.org.

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