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. 

Here is a taster of what you can expect in this role:

• Drive and deliver the month-end process for Pinnacle Wine Services entities.
• Identify and effectively report balance sheet risk through the monthly preparation of general ledger reconciliations and drive improvements across the group.
• Undertake internal control testing and compile information for internal and external auditors, including explanation of movements in key accounts.
• Maintaining documented controls and process flows to identify efficiencies and meet internal control requirements.
• Assist with preparation and analysis of the annual operating expense and capital budgets.
• Leveraging Microsoft Dynamics 365 and Power BI to drive efficiencies.
• Proactive business partnering with Pinnacle and Endeavour Group finance teams to assist in providing details around financial information.

ROLE: QA Engineer

OFFICE: Melbourne, Australia

About Us:

We are Two Circles. We are a Sports & Entertainment Marketing business. We grow audiences and revenues. We do that by knowing fans best. We work with clients to help them understand & influence what their fans are doing – the way fans spend their money, the events that fans attend, the channels fans respond to, the content fans watch and more. And we use the understanding this gives us to help our clients grow. Grow their audiences and grow their revenues - both direct to consumer and business to business revenues. Our platforms and services are trusted by over 900 clients globally, including the English Premier League, Red Bull, UEFA, VISA, the NFL, Nike and Amazon. We are almost 1000 people, based out of 14 offices, and we deliver work for sports and entertainment businesses of all shapes and sizes all over the world.

JOB DESCRIPTION 

As part of our ongoing growth, we are expanding our product team and looking for an experienced QA Engineer to join our Melbourne office. We are looking for a great communicator and collaborator with experience working in Agile teams to deliver world-class digital products for our sporting clients.

You will be client facing and work as part of a cross functional team including designers, product managers, technologists and business analysts. The types of projects are varied, from websites and apps to marketing and data-focused products.

This role is ideal for a hands-on tester who has a broad functional and technical testing background. The projects and types of products we deliver for our clients is varied. We are commonly delivering websites, mobile applications and digital marketing products supported by underlying technology including CMS, CRM, Data Warehouses, CDP, Identity tools and a range of digital marketing tools.

Day-to-day, you will work with product manager and development team members to understand the product outcomes we are seeking to deliver. Then you will use your experience to design and execute test cases for the various web applications and APIs being developed. You will be testing functionality during sprints to ensure that everything is working as expected and provide valuable feedback to developers. You will test environments post-deployment to verify that the deployment has been a success.

You will be responsible for both manual and test automation activities, ensuring the quality of the software products. As a tester you will be responsible for functional, API, accessibility, multi-lingual, security, regression, performance, and system testing covering responsiveness of the application across various breakpoints.

It is becoming more and more common for our clients to aim for certain accessibility targets when building customer-facing products, so knowledge of WCAG standards and experience using accessibility testing tools (like Wave and Axe tools) is valuable.

This role requires an individual who brings energy, pragmatism and critical thinking to our clients, and you will also need to have a relentless focus on where client and customer value is. The role is hybrid remote, with two days per week in our office (located in Melbourne Central Tower) or at client offices desirable.

Key Responsibilities:  

• Design and execute test cases for web applications and APIs. Producing test plans and reports as required.

• Working as part of a cross functional Agile team in the delivery of digital products.
• Attending regular agile ceremonies such as sprint planning, stand-ups, retrospectives and show cases.
• Assisting in the planning and running of UAT sessions at key moments in project delivery.
• Building great relationships with key client stakeholders, ensuring they are confident and consulted during projects.
• Work in close collaboration with product and technology leads in order to best understand the product and technical details of the project.
• Provide clear and detailed steps to reproduce bugs/issues discovered throughout the project.
• Comfortable working with technical aspects of the project such as APIs, databases, mobile apps, to ensure high testing coverage.
• Plan, prioritise, design, write and execute test cases.
• Be involved in test planning, test strategy, test management and setting up QA process for desktop and web applications.
• Ensure test coverage across functional and regression testing.
• Manage communication, raising risks and planning mitigation.
• Learn and stay up to date on the latest testing methodologies and tools.

Skills: 

• A minimum of 5+ years' experience in a QA Engineering role, ideally with some experience working in an agency/consulting context.
• Excellent communication and collaboration skills, with the ability to work effectively in cross-functional teams, and directly with clients.
• Experience in utilising and testing core digital technologies including CMS, CRM, VMS, data warehouse & middleware systems.
• A passion for digital products and technology, strong problem-solving skills with a flair for finding innovative solutions.
• Competent in utilising project management and testing tools such as JIRA, Confluence, Lucid Chart, Figma and Postman
• Strong experience in defining test scenarios from acceptance criteria.
• Experience in integration and end-to-end testing.
• High attention to detail and natural curiosity towards problem solving.
• Hands on experience with one or more automation frameworks –Selenium / Cypress /Rest Assured.
• Hand on experience on writing SQL queries.
• Hand on experience on accessibility testing tools like Wave and Axe
• Experience with Performance testing would be considered as beneficial (K6, JMeter or Loadrunner).
• Strong troubleshooting skills and ability to contribute to continuous improvement process.
• Ability to liaise with business users to understand the requirements thoroughly.
• A keen interest in sport or the sports business and real interest in the positive effects we have on our client’s businesses.

Two Circles is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, colour, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. 

We value and want to have all types of candidates apply for roles at Two Circles. Therefore, we would love for you to fill out the Equality & Diversity Monitoring Form as part of your application. This form does not ask for your name or information that would make you personally identifiable. 

Company Overview:

BizCover has got small businesses backs when it comes to insurance! Small businesses need insurance to protect their livelihoods.  They need insurance in a fast, easy to understand format and that’s why they need BizCover. So what makes BizCover stand out from the crowd?

The Team:

The Risk and Compliance team basically does what it’s name suggests – we advise the business on matters of risk strategies and mitigation and compliance obligations. Reporting directly to the Head of Risk and Compliance you will work in a team that is responsible for the Quality Assurance, Dispute Resolution and the Compliance function across all BizCover channels and geographies.

Duration: 6 months fixed term contract (Opportunity for Perm)

The Role:

Reporting into the Head of Risk & Compliance, the QA & Compliance Manager has two main accountabilities namely leading the QA team including ensuring the adequacy of the QA framework, and overseeing compliance across the business.

They will be responsible for providing guidance and support, across the company on compliance related matters. They will ensure we are compliant with our regulatory obligations and AFSL, by ensuring our internal compliance, monitoring & supervision and risk frameworks are in place and being adhered to.

They will also be managing our Third Party Risk Management Framework including contract review, maintenance of the supplier calendar and sanction screening.

This role will also support the team with dispute resolution working with stakeholders across BizCover to ensure fair and timely outcomes for our customers. The role requires strong leadership, attention to detail, and the ability to embed compliance into operational and strategic activities across BizCover.

Day to day responsibilities:

Compliance:

• Implement and promote BizCover’s risk and compliance policies and practices
• Monitor and ensure compliance and QA frameworks are current and adequate
• Ensure compliance with regulatory frameworks, review and/or establish a compliance manual including process implementations, insurer compliance along with regular auditing processes
• Provide strategic compliance and risk advice to the business on current business, new proposals or business change
• Manage all legal matters and issues including intellectual property, contracts, binder and partner agreements, employment related issues, policies and any items that require general compliance input
• Compliance sign off on agreements and the management of the supplier calendar (a source of truth of all arrangements with workflow capability)

• Conduct/manage induction training on compliance and QA and review of staff training
• Manage Sanctions screening
• Working with our technology and operations teams to embed compliance frameworks and processes into systems and operational processes including AI implementations
• Internal and external policy end-to-end management (including creation, reviews and reporting)
• Create, implement and periodically review quality management documents which meet ISO 9001 standards.
• Assist with end-to-end complaints handling in line with policies and procedures, ensuring adherence to regulatory frameworks.

• Monitor legislative changes, assess their impact on the business, and review or develop processes and policies to ensure compliance and operational efficiency.
• Assist and partake in periodic audits initiated by insurer/s and/or internally.
• Facilitate end-to-end breach and incident management by leading project teams, maintaining the incident register, tracking incident status to resolution or completion, and driving the remediation of breaches and incidents.
• Review and optimise customer communication journeys, including emails, SMS, and letters, to ensure clarity, accuracy, and alignment with product updates, insurer changes, or incident remediation efforts.
• Review marketing materials and content to ensure compliance with regulatory standards, including AFSL requirements, and alignment with legal and risk obligations.
• Establish and maintain open channels of communication with insurer compliance teams to facilitate collaboration, address compliance matters, and ensure alignment with regulatory and business requirements.
• Manage compliance committee operations, including preparing reports, agendas, and minutes, distributing outcomes to the Executive team, and monitoring actions to ensure timely completion and accountability.
• Provide guidance and support to call centre and operational teams to ensure customer and third-party enquiries are handled in compliance with regulatory requirements and internal policies.

QA:

• Management of the QA team (1x QA Team Lead, 4x QA officers & 1x Risk and Compliance Graduate).
• Oversee reporting on QA performance and compliance (e.g. QA reporting).
• Prepare management action plans to address key compliance issues and risks identified through the QA process.
• Creation and review of call centre scripting and QA scoring across sales, service, claims and retention teams .
• Lead Oversee the QA calibration sessions with the call centre teams
• Provide insights into the performance and risks arising from our operations (technology and call centre).
• Act as the primary point of contact for escalated QA matters, providing guidance, resolution, and ensuring alignment with compliance and quality standards.
• Manage end-to-end projects relating to QA and/or directly impacting QA deliverables.

How will I be measured?

• Existence of up-to-date QA and compliance frameworks including documentation of processes
• Passing of ongoing audits
• Meeting KPIs with regards to QA
• Advancement and embedment of our compliance automation frameworks
• Timely resolution of complaints
• Over time the reduction in the reoccurrence of the repeated complaints through the identification of root causes via the QA process

What do I need to be successful? 

• Law degree
• A minimum of 3 years post qualification experience in insurance law and/or financial services law
• Strong attention to detail
• Ability to prioritize and manage competing demands and time frames
• Ability to work with a wide range of people in a collegiate and responsive manner

• Hybrid working model with flexibility to work from home up to 3 days a week and a minimum of 2 days a week in the Sydney CBD office.

• Exciting and rewarding team culture
• Quarterly recognition awards
• Business Casual dress code
• Rewarding Employee Incentive Program
• Growing company with progression opportunities

Diversity of employees makes for a creative and fun workplace. At BizCover, we truly believe in the power of diversity. We actively welcome applications from individuals with all kinds of backgrounds and experiences. If you share our passion for making a difference and believe in creating an inclusive work environment, we would be thrilled to have you apply for this amazing opportunity.

Come and be a part of our journey as we foster a diverse and supportive atmosphere where everyone can flourish and showcase their distinct skills. Constantly strive to be the best we can, we look for people who are –

Customer Fanatics - noun:  a person who delivers a first class customer experience every time
Drumbeaters - noun:  a person who enthusiastically celebrates and supports their teammates and the business
Finishers - noun:   a person you can trust to get it done
Advancer - noun:  a person who always wants to do better

Diversity of employees makes for a creative and fun workplace. At BizCover, we truly believe in the power of diversity. We actively welcome applications from individuals with all kinds of backgrounds and experiences. If you share our passion for making a difference and believe in creating an inclusive work environment, we would be thrilled to have you apply for this amazing opportunity. 

Team Summary

Visa Consulting & Analytics (VCA) Australia, New Zealand, and South Pacific (AUNZSP) is Visa's advisory division, working with Visa's clients (including card issuers, acquirers, and merchants) on a broad range of key business initiatives including strategy, proposition development, loyalty, operational optimisation, customer engagement and overall business profitability.

VCA is made up of three services lines - Advisory, Data Science and Managed Services, the latter being the execution arm of VCA. Our Managed Services teams (also known as squads) are embedded on client sites leading long-term engagements and delivering value primarily through implementation and execution services. We deliver objectives from a shared value agenda but are also closely connected to the broader VCA team, sharing knowledge, and bringing the best of Visa to the client.

We are looking for a dedicated QA Engineer to join the client's team for a 12-month fixed-term contract. This role will be embedded with a key strategic client's Retail Banking team and will be part of a Tech Squad to execute on an exciting credit card product. You will get an opportunity to work on cutting edge technology and play a pivotal role in driving advancement in the bank's leading engineering practices. You will build and coach others to develop and automate the testing of robust, adaptable code that is always production ready. Through collaboration with other developers, your work will improve the banking experience for our client’s customers.

Why Work with Us:

• Visa Managed Services is our fastest growing team in AUNZSP – we’ve grown 10x in less than 3 years – and always have fun projects on the horizon to sink our teeth into.
• We get to work with incredible people every day.  We’re a team of intrapreneurs who work hard, have fun, and get stuff done.
• We are a people business where the people are our product.  As a result, all our people leaders are 100% dedicated to ensuring a positive employee experience.  We attract top talent and are manically focused on developing that talent – even for short-term contracts.
• We are committed to building a diverse team with an inclusive culture that reflects the communities we work in.
• We support flexible working options.

Quality Assurance Engineer Responsibilities:

• Able to design, develop and implement automatic test equipment and test programs for design verification and production testing.
• Responsible for conducting end-to-end testing to ensure the quality and reliability of cards banking applications.
• Write and maintain automated test cases and ensuring continuous improvement of the test automation practice.
• Contribute to the ongoing quality of both delivery and testing capability.
• Actively contribute to initiatives which support the growth and efficiency of the testing discipline.
• You coach team members to increase their capability and in turn the capability of the scrum teams and organization.
• You maintain a focus on personal development of soft skills including refining ability to operate in ambiguity and problem-solving skills.
• Ability to deliver the projects as per the plan and schedule
• Help support gathering requirements and document Map “As-Is” user journeys and assist in developing “To-Be” experiences.
• Assist in user acceptance testing through the creation of test plans to execution.