HEAD OF RISK & COMPLIANCE

COMPANY OVERVIEW

Our client a Karachi-based State Bank of Pakistan (SBP) regulated Electronic Money Institution (EMI) seeks to appoint an experienced professional for the following role.

HEAD OF RISK & COMPLIANCE

Job Scope

As a Head of Risk & Compliance you will be responsible for establishing leading and managing the Companys enterprise risk management regulatory compliance and governance framework.

Key Responsibilities

• Regulatory Compliance Framework Design implement and maintain the Companys enterprise risk management regulatory compliance and governance framework in line with SBP SECP FATF and other applicable regulatory requirements.
• AML/CFT & MLRO Responsibility Act as the Companys designated MLRO with statutory responsibility for AML/CFT compliance including transaction monitoring customer due diligence and suspicious transaction/currency transaction reporting to the FMU.
• Fintech & Payments Compliance Ensure ongoing compliance with EMI PSP Company and other fintech-specific regulatory requirements and monitor emerging regulatory developments across digital payments and financial services.
• Enterprise Risk Management Develop and maintain an enterprise-wide risk framework to identify assess monitor and mitigate regulatory operational and compliance risks and supervise the Fraud Risk Management Unit.
• Advisory & Regulatory Guidance Advise senior management on the regulatory and compliance implications of new products outsourcing arrangements and other business initiatives.
• Regulatory Liaison Act as the primary point of contact with regulatory authorities managing regulatory submissions inspections audits and examinations.
• Policy & Controls Review Review and update internal policies procedures and controls on an ongoing basis to keep pace with the evolving regulatory landscape.
• Compliance Culture & Training Foster a strong culture of compliance and ethical conduct across the organisation including training and awareness programs for employees.
• Board & Management Reporting Prepare and present periodic compliance and risk reports to senior management and the Board escalating significant breaches or emerging risks in a timely manner.

Education

• Minimum 16 years of education preferably a Masters from a renowned HEC recognized university or institution/equivalent foreign degree holder preferably in Business Administration Finance Accounting Economics Risk Management Law or a related field.

• Professional certifications such as CAMS ACAMS FRM CIA or CRMA will be an added advantage.

Experience

• Risk & Compliance Leadership Minimum 10 years of professional experience in Risk Management Compliance or Regulatory Affairs preferably within a fintech bank or financial institution with related functional experience at an equivalent position or in one level below position.
• Fintech & AML/CFT Exposure Proven experience in a Risk or Compliance leadership role preferably within the fintech or financial services sector including exposure to AML/CFT and SBP regulatory requirements.

Requirements

• Strategic & Analytical Thinking Strategic thinker with strong expertise in regulatory interpretation policy formulation and risk analytics.
• Regulatory Command Strong command of the SBP regulatory landscape and global compliance standards (AML/CFT FATF).
• Stakeholder & Regulator Engagement Exceptional communication leadership and stakeholder management skills including experience engaging regulators and senior leadership.
• Integrity & Professionalism High level of integrity ethical judgment and professionalism with the ability to maintain confidentiality.
• Composure Under Pressure Ability to work under pressure while maintaining accuracy and attention to detail.
• Self-Starter A resourceful self-starter with strong organizational and problem-solving skills.

Age

• The candidate should preferably be not more than 45 years of age as of last date of submission of application.

This advertisement is published on 07 August 2026. The last date to apply is 16 August 2026. Candidates who possess the required experience and educational qualifications to undertake this challenging role are encouraged to submit their applications at

Only shortlisted candidates will be contacted.