dLocal started with one goal – to close the payments innovation gap between global enterprise companies, and customers in emerging economies. We have over 900 payment methods, in more than 40 countries. We are relentlessly focusing on serving our customers and solidifying our position as the preferred infrastructure solution for Global Merchants across Emerging Markets. With the ability to accept local payment methods and facilitate cross-border fund settlement worldwide, our merchants reach billions of underserved consumers in the high-growth markets of Africa, Asia, and Latin America. dLocal offers the ideal payment solutions for global commerce: Payins: Accept local payment methods Payouts: Compliantly send funds cross-border dLocal for Platforms: Unify your platform’s payment solution Defense Suite: Manage fraud effectively Unlock the power of emerging markets.

Why should you join dLocal?

dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen, in a flexible, remote-first dynamic culture with travel, health and learning benefits, among others. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.

What’s the opportunity?

As part of our strategic expansion, we are looking for a skilled, self-driven, and experienced Malta Risk Manager and IT Risk Lead to join our dynamic team in Malta. This role will be pivotal in ensuring that a robust risk management framework is maintained across dLocal’s operations. The Malta Risk Manager and IT Risk Lead will report to the VP of Risk Management (Group) and the Risk and Compliance Committee (Malta).

What will I be doing?

Regulatory Liaison: Ensure alignment with all local risk requirements and act as the focal point for the Malta Financial Services Authority (MFSA),. This professional will need to be approved (PQ’ed) by the regulator, MFSA

.Risk Framework Implementation: Support the maintenance of the risk framework across Malta and other regions, ensuring alignment with global risk management standards and local regulatory requirements.

IT Risk Management: Play a crucial role in implementing the second line of defense framework for IT Risk, ensuring that IT systems and operations comply with internal controls, best practices, and regulatory standards, starting in Malta and expanding to other countries.

Risk Assessment: Conduct comprehensive risk assessments to identify potential threats and vulnerabilities within the organization’s operations, processes, and systems.

Policy Development: Develop and implement risk management policies, procedures, and protocols to mitigate identified risks and ensure compliance with regulatory requirements.

Reporting: Present periodic risk reports to the local Risk & Compliance Committee, Board of Directors, and the Regional Risk Forums. Additionally, prepare and submit relevant regulatory reports, including but not limited to Capital Adequacy Ratio, Wind Down Plan, ICT & Security Risk Report and other pertinent reports mandated by the MFSA and other regulatory bodies.

Monitoring: Monitor key risk indicators (KRIs) and performance metrics to assess the effectiveness of risk management strategies and initiatives.

Stakeholder Collaboration: Collaborate with internal stakeholders, including senior management, compliance teams, internal audit, and business units, to foster a culture of risk awareness and accountability.

Audits and Examinations: Assist management during internal and external audits, examinations, and regulatory inquiries, providing documentation and support as needed.

Strategic Input: Provide timely and insightful risk reports and recommendations to senior management and relevant committees to support strategic decision-making.

Trend Analysis: Stay abreast of emerging risks, industry trends, and regulatory developments to proactively identify potential impacts on the organization and recommend appropriate actions.

What skills do I need?

Regulatory Approval: Understanding of the Maltese regulatory framework. The candidate needs to be already approved by the MFSA for a similar role in another financial / credit institution or payments company.

DORA Knowledge: Strong knowledge of the Digital Operational Resilience Act (DORA) and experience implementing similar regulations in various jurisdictions.

Education: Bachelor’s degree in computer science or computer engineering, engineering, finance, economics, statistics, business administration, or a related field. Advanced degree or professional certification (e.g., CRISC, COBIT, CRMA, FRM, PRM, CFA, or CIA) is a plus.

Experience: Minimum of 8 years of experience in risk management within the financial services industry, with a strong understanding of risk assessment methodologies, regulatory requirements, and industry best practices.

Analytical Skills: Proven analytical skills with the ability to analyze complex data, identify patterns, and draw meaningful insights to support decision-making.

Communication Skills: Excellent communication and interpersonal skills with the ability to effectively engage and collaborate with stakeholders at all levels of the organization.

Organizational Skills: Strong organizational skills with the ability to manage multiple priorities and deadlines in a fast-paced environment.

Problem-Solving: Problem-solving abilities with a proactive and solution-oriented approach to addressing challenges.

Technical Proficiency: Proficiency in risk management tools and software. Familiarity with big data tools and databases (e.g., Python, SQL, Spark) and experience with data visualization tools (e.g., Looker, Power BI, Tableau, QuickSight).

What do we offer?

Besides the tailored benefits we have for each country, dLocal will help you thrive and go that extra mile by offering you:

- Remote work: work from anywhere or one of our offices around the globe!*

- Flexibility: we have flexible schedules and we are driven by performance.

- Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.

- Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.

- Learning & development: get access to a Premium Coursera subscription.

- Language classes: we provide free English, Spanish, or Portuguese classes.

- Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!

- dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!

*For people based in Montevideo (Uruguay) applying to non-IT roles, 55% monthly attendance to the office is required.

What happens after you apply?

Our Talent Acquisition team is invested in creating the best candidate experience possible, so don’t worry, you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process!

Also, you can check out our webpage, Linkedin, Instagram, and Youtube for more about dLocal!

Risk Manager - Malta

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