ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN.COM, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.

Requirements
- Minimum 8 years of experience in risk management within regulated financial services.
- Proven senior-level experience in Electronic Money Institutions (EMIs) and/or Payment Institutions / Payment Service Providers (PSPs).
- Demonstrable experience in a multi-jurisdictional environment, ideally covering EU/EEA markets with exposure to passporting regimes.
- Track record of direct interaction with financial regulators and Boards of Directors on risk matters.
- Experience building or significantly developing a risk function, including hiring and structuring a team.
- Payment Services Regulation:



Comprehensive understanding of PSD2 (and PSD3 developments), EMI licensing requirements, own funds calculations, and safeguarding.
- Risk Governance: Practical experience implementing EBA Guidelines on Internal Governance, Outsourcing Arrangements, and ICT Risk Management (DORA).
- Acquiring and Card Scheme Risk: Strong understanding of acquiring risk models, merchant risk management, chargeback frameworks, and Visa/Mastercard scheme requirements.
- Operational Risk: Experience with operational risk event management, BCP/DR, and incident management frameworks.
- Third-Party Risk: Expertise in outsourcing risk assessment, vendor due diligence, and ongoing monitoring of critical service providers.
- Independence and Integrity: Ability to operate as an independent second-line function, providing constructive challenge to senior management and the Board without compromise.
- Commercial Awareness: Ability to balance risk managem

📌 Risk Management Director (Aguascalientes)
🏢 ZEN.COM
📍 Aguascalientes