We are looking for a Risk and Control Enablement Manager to join our Product Team (1st line of defence).

The Risk and Control Enablement Manager is responsible for first line risk enablement and payment industry compliance which primarily sits across two key areas:  

1. Ensuring there is a positive and effective risk and compliance culture where compliance and obligations are understood and appropriately prioritised as well as managed within an agile environment.   

2. Maintaining and embedding the payments industry compliance framework into our product domains and strengthening Cuscal’s management and implementation of requirements from all payment industry bodies and schemes such as AusPayNet, AP+, Visa, Mastercard, AMEX, UPI, ACCC (CDR) and any emerging payment and data schemes. 

About the Role: 

Risk Assessment, Management and Mitigation 

• Identify, document, and assess risks, incidents, and controls to foster a strong risk culture.  

• Conduct functional risk profiling and control design and testing, including a roadmap for control automation and standardisation. 

• Drive uplift in Line 1 operational risk and regulatory compliance practices, including risk profile refreshes, controls setting, and risk in change identification.  

• Manage the review of any non-compliance to examine root cause and identify treatment actions. 

Compliance Monitoring and Reporting 

• Conduct regular reviews to ensure Product Domains adhere to the risk appetite statement, policies, and frameworks.  

• Manage compliance and risk calendar to ensure all product domains are aware of upcoming activities. 

• Perform compliance reviews to ensure adherence to key obligations, including interaction with auditors and oversight of clients.  

• Improve compliance maturity and management through key metrics, ensuring appropriate oversight of compliance items within the Domain backlog. 

• Maintain dashboards on compliance and risk-related activities, including audit actions, issues, risk acceptances, and control testing. 

Regulatory Engagement and Response 

• Liaise with Line 2 risk and IT Risk teams to understand upcoming regulatory changes and prioritise work into the product domains.  

• Build relationships with payment industry bodies and schemes, manage waivers, data integrity outcomes, and ensure timely resolution of open actions.  

• Review scheme bulletins, mandates, etc., and work with the Domain to assess impacts and ensure communication to stakeholders.  

• Ensure the Cuscal Compliance framework, including the risk and compliance system, is updated and adhered to, with current obligations, waivers/exemptions, breaches, issues, compliance calendars, and monitoring plans. 

Risk Culture and Training 

• Contribute to the development and embedding of a sound risk culture.  

• Ensure effective delivery and embedding of strengthened practices related to vendor management and business continuity planning. 

• Embed agile ways of working within the product domains to ensure understanding of scheme changes and compliance activities. 

About You: 

• 5+ years experience in operational risk and/or compliance advisory, preferably within the Financial Services industry  

• Proven experience working in an agile product development environment 

• Demonstrated experience in work effectively in a fast-paced cross functional environment  

• Proven evidence of strong relationship management, presentation, negotiation skills and the ability to positively influence 

• Analyse and readily interpret business and technical operations impacts and needs of internal and external stakeholders and clients  

• Experience in managing compliance changes and initiatives including supporting delivery and delivered risks through risk in change build and maintenance 

• The ability to translate technical requirements into business language 

Join us at the forefront of payments 
   
Why Cuscal? 
We are in the rapidly evolving world of payments, and we are committed to providing a diverse and inclusive workplace where the very best talent in Australia chooses to work. We support our colleagues with flexible work arrangements through our hybrid model whilst also offering a wide range of educational, financial, lifestyle, health & wellbeing benefits. 
 
Next Step 
If you think this role is the right fit for you, we invite you to apply. Let’s explore who you are and what drives you. We’d love to share our vision for the future of the payments sector. Please note candidate screening and interviews may be conducted prior to the closing date of the job advert. 
     
Cuscal does not accept unsolicited resumes from recruitment agencies and search firms. Please do not email or send unsolicited resumes to any Cuscal employee, location or address. 

A team creating an innovative solution for managing partnership programs in the financial services sector is looking for a Senior Business Development Manager.

This product serves brokerage companies and platforms within the forex and cryptocurrency space, helping them effectively attract and retain clients through well-designed referral systems.

Headquartered in Dubai, the company also has a presence in key cities: Hong Kong, Kyiv, Tallinn, London, Limassol, Yerevan, Tbilisi, and Mauritius. With clients in over 40 countries, the company serves more than 500 global clients. The company focuses on understanding client needs and industry trends, applying advanced technologies to ensure its solution remains one of the most competitive on the market.

If you’re eager to join an ambitious team building high-tech solutions and refining partnership mechanics in the financial sector, this opportunity could be perfect for you!

The position is only available for the candidates who are located in Australia.

Responsibilities:

• Identify and attract new institutional clients through cold calling, networking, and existing contacts
• Close deals with institutional clients, ensuring quick onboarding and revenue generation
• Build a pipeline of qualified leads and engage with potential clients in the FX, metals, energy, indices, and crypto sectors
• Recruit and develop partnerships with Introducing Brokers (IBs), creating incentive and support programs
• Represent the company at conferences, trade shows, and other industry events to expand the professional network
• Monitor market trends, competitor activities, and regulatory changes to provide actionable insights
• Track sales activities, maintain detailed records in CRM tools, and prepare performance reports

• 5+ years of direct sales experience in the FX industry, specifically selling liquidity solutions to institutional clients

• Demonstrated success in closing large-scale deals and consistently exceeding sales targets
• Extensive experience in generating cold leads and converting them into long-term clients
• Deep understanding of FX liquidity provision, trading platforms, and market dynamics
• Strong existing network of institutional clients, including banks, hedge funds, and proprietary trading firms
• Proficiency in CRM software (SalesForce) and sales analytics tools
• English C1+
• Live in Australia for more than 5 years

• Competitive salary according to your experience and skills (the exact amount is discussed with the final candidate)

• Officially paid sick leave
• Paid vacation
• Performance-based bonuses and gifts (including Apple products)
• Performance (and salary) review - once a year
• Mentorship and growth opportunities within a strong team

Are you an innovative product manager with a passion for incubating new ideas and driving them to market? Shift is looking for a Product Manager to spearhead the launch of new products and manage their growth until they reach scale. As part of our dynamic team, you'll have the opportunity to bring fresh products to life, test market hypotheses, and help shape the future of our product offerings.

What you'll do: 

• Manage 2-3 new products simultaneously, overseeing all stages of the product lifecycle from market research to scaling.
• Identify and define new target markets and serviceable segments for product opportunities.
• Develop a strong market thesis, clearly articulating what Shift can offer SMEs that current solutions don’t.
• Design initial product concepts and organisational structures to maximize the chances of success while managing acceptable levels of risk.
• Translate product ideas into detailed, actionable requirements, ensuring smooth execution from concept to market launch.
• Coordinate necessary organisational changes (e.g., hiring, team expansion, systems updates) to support product launches and ensure the right resources are in place.
• Work closely with cross-functional teams to execute on the product vision, driving alignment between product, design, development, and operations.
• Iterate quickly on product features and design to achieve Product-Market Fit, testing and refining the product based on customer feedback.
• Continuously improve the product, incorporating insights from customer usage, market trends, and competitor analysis to optimize the market fit.
• Make data-driven decisions on whether to scale the product as a core offering or exit the market if the product fails to gain traction.
• Ensure regular communication with stakeholders to provide updates on progress, iterations, and strategic decisions.

In this role you will be responsible for the credit performance of Shift’s Trade product against predefined KPIs.  The role encompasses owning credit decisioning models, portfolio management and monitoring the end-to-end operational performance of the business for factors that influence the credit performance of the product portfolio. 

• Own the credit performance of Shift’s Trade product from origination through to recovery ensuring the portfolio grows in line with Shift’s expectations of credit loss. This will involve taking ownership of origination models, customer account monitoring and analysis for of platform and processes for factors that are influencing credit performance. 

• Provide recommendations for changes to the models, credit policy and underwriting guidelines.  

• Serve as a member of the Trade management team, responsible for reporting on the credit performance and its influencing factors to the broader group  

• Ensure portfolio is optimised by ensuring exposure to low risk grade customers is increase whilst reduced to those that deteriorate . 

• Provide performance reporting to 2nd Line Risk responding appropriately to any queries