Regional Chief Risk Officer (CRO) – Hybrid

About the role

Telcoin Europe UAB is expanding its regulated operations across Europe and seeks a Regional Chief Risk Officer to design and lead a best‑in‑class enterprise risk management framework. Reporting directly to the CEO and the Board, you will safeguard the company’s financial, operational, regulatory, technology and digital‑asset exposures while supporting sustainable growth.

Key responsibilities

• Develop, maintain and continuously improve the Enterprise Risk Management (ERM) framework and define the risk appetite.
• Oversee financial, operational, liquidity, market, credit, technology, cyber, outsourcing and digital‑asset risk domains.
• Ensure compliance with European regulations such as PSD2/PSD3, MiCA, DORA, AML/CTF, GDPR and EMI requirements.
• Advise the Executive Team and Board on risk strategy, governance and emerging regulatory developments.
• Lead ICAAP, ILAAP, stress‑testing, scenario analysis, recovery planning and business continuity programmes.
• Monitor key risk indicators, prepare Board risk reports and manage risk escalation processes.
• Collaborate with Compliance, Internal Audit, Finance, Operations, Product and Technology to embed risk management throughout the organisation.
• Maintain constructive relationships with regulators, auditors, banking partners and external stakeholders.

Required profile

• Minimum 3 years of risk‑management experience in a regulated financial‑services environment.
• Previous senior risk‑management role (CRO, Head of Risk or equivalent) in a bank, EMI, PI, fintech or digital‑asset business.
• Deep knowledge of enterprise risk management, governance, internal controls and European regulatory expectations.
• Strong understanding of payment services, banking operations, treasury, outsourcing and financial‑crime risk.
• Proven ability to engage with Boards, regulators, auditors and senior executives.

Required skills

• Experience with European regulatory frameworks (PSD2/PSD3, MiCA, DORA, AML/CTF, GDPR, EMI).
• Familiarity with ICAAP, ILAAP, stress‑testing and business continuity planning.
• Knowledge of digital‑asset, blockchain and crypto‑risk management is highly desirable.

What we offer

• Executive leadership role within a fast‑growing European fintech.
• Opportunity to shape the compliance and risk strategy of a cross‑border regulated group.
• Direct interaction with regulators and strategic business initiatives.
• Collaborative senior‑leadership team and hybrid work arrangement.