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About the position:

Reporting Line

The country Risk and Compliance Director (RCD) reports hierarchically to the Regional Risk and Compliance Director (RRCD) (i.e., hire, fire and appraisal) and functionally to the local Managing Director. The RCD is a member of the local Management Team.

Scope of responsibilities

The country RCD is responsible for the Risk and Compliance department and ensures the second line of defense (LOD2) of the country. Additionally, during a transition period, the RCD can be responsible for managing the first line of defense activities related to credit, control, and operational risk.

Appointment and removal

The appointment/dismissal of the country RCD is proposed by the Regional Risk and Compliance Director (RRCD), reviewed and validated by the Chief Risk and Compliance Officer (CRCO).

Missions and responsibilities

Responsibilities

• The main mission is to contribute to the sustainable development of the entity’s activities and profitability by establishing, in his/her role of second line of defense, a sound risk & compliance management and monitoring system. As such, the RCD:
• Implements the risk management and compliance framework, ensures its effectiveness (including IT tools), efficiency and continuous improvement.
• Contributes to effective governance, plays an active role in committees, offering constructive challenge and helping governance bodies to fulfill their roles and responsibilities.
• Is accountable for overseeing the management of all risks from a LOD2 perspective.
• Escalates to the RRCD and the relevant central teams when the central guidelines are in contradiction with the local laws and regulatory requirements.
• Supports the first line of defense in maintaining the entity’s risk profile in line with central guidelines for the local risk indicators and in determining and implementing risk mitigation strategies.

The country RCD has the following major accountabilities

• The main mission is to contribute to the sustainable development of the entity’s activities and profitability by establishing, in his/her role of second line of defense, a sound risk & compliance management and monitoring system. As such, the RCD:
• Implements the risk management and compliance framework, ensures its effectiveness (including IT tools), efficiency and continuous improvement.
• Contributes to effective governance, plays an active role in committees, offering constructive challenge and helping governance bodies to fulfill their roles and responsibilities.
• Is accountable for overseeing the management of all risks from a LOD2 perspective.
• Escalates to the RRCD and the relevant central teams when the central guidelines are in contradiction with the local laws and regulatory requirements.
• Supports the first line of defense in maintaining the entity’s risk profile in line with central guidelines for the local risk indicators and in determining and implementing risk mitigation strategies.

External relationships

The day-to-day relationships with local regulatory authorities are managed by the local legal body. The local legal body is responsible for the identification of the entity’s obligations under the regulatory system and any changes to those.

The local RCD is supporting these relationships, the escalation of the correspondence with these authorities to local and Group senior management and the production and integrity of his/her entity’s regulatory reporting.  He/she monitors the follow-up and implementation of the audit, inspection or remediation actions on risk, compliance and control topics.

Skills Requirement:

• 7+ years of professional experience in the financial services sector in areas of finance, risk, compliance, legal or in a related trade association or regulatory/ supervisory control body, or experience in a related field are required. The majority of which preferably are in the leasing sector. At least 3 years of management experience with high-risk awareness, preferably in an international environment.
• Significant knowledge of regulation and understanding of risk categories including both financial and non-financial risks, including the risk of non-compliance.
• Strong knowledge of risk management, compliance, analysis and control techniques.
• Sound financial analysis capabilities.
• Ability to make sound, well-informed, and objective decisions that support acco