Associate Director – Non-Financial Risk, Transaction Banking (Payments & Cash Management)

About the role

The Associate Director will join the Payments and Cash Management (PCM) Non‑Financial Risk team within ANZ’s Institutional bank. You will provide first‑line risk advice, challenge and oversight across a wide range of transaction‑banking products and services, ensuring risks are identified, assessed and managed within the bank’s appetite.

Key responsibilities

• Provide independent, practical non‑financial risk advice across payments, cash management, virtual accounts and related transaction‑banking capabilities.
• Lead identification, assessment, monitoring and reporting of material operational, compliance, technology, cyber, data, fraud, financial‑crime, third‑party, conduct and resilience risks.
• Challenge product risk profiles, control effectiveness and operational readiness, driving improvements in controls, risk indicators and assurance activities.
• Contribute risk input for new products, enhancements and regulatory programmes, ensuring operational readiness and effective risk consideration.
• Prepare clear risk insights, governance papers and recommendations for senior stakeholders and risk committees.
• Partner with product, operations, technology, compliance, legal, financial‑crime, risk and audit teams to sustain strong first‑line ownership and a regulator‑ready control environment.

Required profile

• Significant experience in financial services with expertise in non‑financial/operational risk, controls, governance or compliance.
• Strong knowledge of transaction banking, payments and cash‑management products, operating models and end‑to‑end product lifecycles.
• Demonstrated ability to lead risk assessments, control reviews, issue and incident management and risk‑in‑change activities.
• Excellent analytical, problem‑solving and stakeholder‑management skills, with the ability to translate complex risk matters into practical advice.
• Tertiary or professional qualifications in risk, finance, commerce, law or a related discipline are desirable.

What we offer

• Flexible working arrangements to help you balance personal and professional commitments.
• Access to health and wellbeing services and discounts on selected ANZ products and services.
• A diverse and inclusive workplace that celebrates different backgrounds, perspectives and life experiences.
• Opportunities for career growth, technical expertise development and exposure to senior leadership.