Total 14 social responsibility manager job vacancies in Sydney

We are looking for a Finance Manager to join our Finance team to support the Corporate Functions to help achieve their financial goals over various time frames.

What this role is about?

The role serves as the principal contact between the Corporate Functions and the central Group Finance function, facilitating effective communication and ensuring alignment between the two.

Here's more of what you’ll work on:

Reporting (Month, HY and FY)

• Performance Monitoring: Review and analyse monthly financial activities for the Corporate Functions, including detailed assessments of month-to-date (MTD) and year-to-date (YTD) performance.
• Dashboard Reporting: Prepare and present monthly performance dashboards, highlighting key metrics, trends, and variances. Ensure reports are clear, accurate, and provide actionable insights.
• Accruals & adjustments: Review and approve accruals or adjustments to ensure that financial statements reflect the true economic condition.
• Insights: Provide meaningful insights and recommendations based on financial analysis to drive better business performance.

Decision Support

• Partner the Corporate Functions leadership team with financial decision-making by providing relevant data, analysis, and recommendations.
• Build and maintain financial models, e.g. FTE resource model, scenario and sensitivity analysis, and other ad-hoc financial analytical activities as required.
• Lead and support continuous improvement initiatives within the Business Unit Finance team. Focus on enhancing productivity, efficiency, and the overall effectiveness of financial processes.

Forecasting & Budgeting

• Review budget/forecast models for the BU, ensuring they reflect all financial aspects including revenue, expenses, and capital expenditures.
• Ensure driver-based assumptions are signed-off by the BU, and offer insights into the status of budget submissions, highlighting areas of opportunities and risks.
• Provide the Corporate Functions with reporting on forecast submissions, including status against target. Offer analysis and insight to support the forecast, helping stakeholders understand the implications of forecasted results.

Team Lead Functions

• Assist and provide guidance to the Finance Business Partner with day-to-day activities
• Review and provide oversight of the team’s workflow and new initiatives.
• Process improvement of team procedures and functions

We are currently on a journey to drive strategic change to modernise our payments architecture and platform. As part of our team, you'll play a pivotal role in enhancing our competitive edge in the market, fostering growth and creativity. Join us and be a part of a dynamic environment where cutting-edge technology and forward-thinking strategies converge to deliver superior payment solutions. Together, we will meet the evolving needs of our clients and drive our company's success into the future. 

We are looking for a Product Manager to join our Acquiring team.  

The Acquiring team @ Cuscal is responsible for building products to drive seamless payment experiences for our clients across card present, mobile, web and in-app. Our advanced payment processing platform ensures seamless handling of various payment methods, while our reliable infrastructure and technology that integrates with our client’s systems enables businesses to accept payments with ease. Additionally, we take measures to ensure the security of every transaction, allowing our clients to have confidence in every transaction.  

Reporting to the Head of Acquiring, the Product Manager’s role is to drive the strategic vision for the product and be accountable for product performance and P&L. Product Managers are the ‘voice of the customer’ to internal stakeholders and ensure their needs are met and will partner closely with the product owner and squad to deliver on the product roadmap. 

About the Role: 

• Design value propositions that differentiate Cuscal’s position in the market as a B2B payments provider 

• Ensure that there are clearly defined product requirements, SLAs aligned to market needs, pricing models and distribution channels. 

• Manage the integration of new product development or product change into existing processes.  

• Ensure that all products, services, and activities are compliant with all forms of regulation, legislation and/or policies.  

• Clearly understand the relationship between the clients and Cuscal and take every opportunity to enhance the relationship with our clients.  

• Develop, prepare, and deliver presentations or communications on products and services to clients and other interested parties to assist in the education process and marketing of Cuscal’s products.  

• Stay up to date on industry trends and new developments in payments technology to evaluate product competitiveness and drive a competitive roadmap.  

About You: 

• 5+ years of Product Management experience in acquiring payments (preferred) delivering SaaS and/or B2B products.   

• You can envision the big picture while meticulously attending to the details.  

• You have a keen sense for outstanding products and advocate for new features using both qualitative and quantitative reasoning.  

• You do whatever it takes to ensure the success of your product and team, with a demonstrated track record of problem solving and lateral thinking. 

• You can transform incomplete, conflicting, or ambiguous inputs into clear action plans. 

• Strong communication skills with an ability to story tell and influence multiple stakeholders. 

• You possess enough technical knowledge to engage engineers in meaningful discussions about architecture and product decisions. 

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. 

We are looking for a Technology Risk Manager to join our dynamic technology Risk team and to, champion our risk uplift and support the business.

What is this role about?

The Manager, Technology Risk is responsible for embedding technology risk management frameworks (including cross-divisional monitoring) and day-to-day risk management across Cuscal and within the Technology (ETS) function. 

The role is essential for ensuring technology risks are effectively identified, assessed, managed and monitored within ETS but also across Cuscal.  

Here’s more of what you’ll work on:

• Develop and Enhance Risk Frameworks: Contribute to the creation and continuous improvement of Cuscal-wide technology risk frameworks, policies, and procedures. 
• Embed Risk Practices: Work collaboratively with product domains and corporate functions to embed technology risk management practices into everyday activities, embed controls, and monitor/report on issues.  
• Risk Reporting & Analytics: Prepare and present regular risk reports to senior management and the board, highlighting key risk areas and recommendations. 
• Focus on AI and Emerging Technologies: Stay informed about the latest developments in AI and other emerging technologies to proactively identify potential risks. Support Cuscal teams in rapidly adopting new technologies in a safe and controlled manner.  
• Controls Automation: Drive initiatives to automate technology risk & controls monitoring processes using advanced tools and technologies. 
• Innovation Advocacy: Promote a culture of innovation in risk management practices, encouraging the adoption of new approaches and technologies. 

We are looking for a Manager, Regulatory Reporting & Treasury to join our Finance, Reporting & Control team.

This role supports the Senior Manager, Financial Reporting & Control by overseeing the preparation, submission, and accuracy of all regulatory financial reporting across Cuscal. This is a highly visible role in the business and will be responsible for maintaining an effective and robust risk and control culture around Finance’s regulatory and treasury functions. The responsibilities in this role sit across four key areas: 

1) Regulatory Reporting 

• Oversight of the preparation and submission of Group Finance’s APR regulatory reports in accordance with Cuscal’s requirements as an ADI;  

• Responsibility for preparation of internal reporting to support management in assessing the regulatory impact of decision making (e.g. ALCO committee reporting, Board committee papers specific to Prudential requirements); 

• Balance Sheet Management and forecasting as it relates to Regulatory Capital ratios; 

• Monitor changes in regulatory requirements and assess their impact on the bank’s reporting framework and practices; 

• Collaborate with finance, risk management, and compliance teams to gather and validate data necessary for reporting;  

• Develop and implement policies and procedures to enhance the regulatory reporting process and ensure compliance with all relevant regulations; 

• Support the Financial Controller in the delivery of the Group Internal Capital Adequacy Assessment Plan (ICAAP) Summary Statement;  

• Identification, measuring and monitoring of limits under Prudential Standards (e.g. APS 110/111 Capital, APS 221/222 exposures); 

2) Financial Analysis 

• Provide analysis to the Finance and Risk teams on regulatory impacts of business decisions;  

• Conduct detailed analyses of regulatory reports to identify trends, variances, and areas for improvement 

3) Financial Control & Treasury 

• Review of daily Treasury control functions (P&L and Balance Sheet reviews, and reconciliations);   

• Production of monthly, half year and year end Board and Board Audit Committee reporting, as it relates to the Regulatory Reporting and Treasury function; 

4) Audit 

• Support audits (APS 310 and Financial/Year-end) and regulatory reviews by providing necessary documentation and explanations;  

• Support the Financial Controller in any APS 310 issues management & resolution; 

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. 

About the Role: 

• Assist in defining the strategy for the future direction of disputes management within Cuscal   

• Design propositions that will continue to add value and relevance to Cuscal and our clients. 

• Provide recommendations, options and solutions in line with product roadmaps for new and enhanced features to both new and existing products and services.  

• Work closely with Product Owners to ensure the vision of the products and services are achieved. 

• Craft and maintain documents and other artefacts associated with Shared Services products and services that ensures they are clear and digestible as they will be a resource used by both internally across other domains and with our clients.  

• Manage as required, a selection of vendors who provide the applications and services that underpin Shared Services functions.   

• Ensure that there are clearly defined product requirements, SLAs aligned to market needs, pricing models and distribution channels.  

• Manage the integration of new product development or product change into existing processes. 

• Evaluate product competitiveness to enhance business impact and product profitability.  

• Ensure that all products, services, and activities are compliant with all forms of regulation, legislation and/or policies.  

• Understand the relationship between Shared Services, our clients and the other product domains and where Shared Services becomes involved.  

• Monitor projects to provide recommendations and solutions in line with product roadmaps. 

• Develop, prepare, and deliver presentations or communications on products and services to clients and other interested parties to assist in the education process and marketing of Cuscal’s products.   

• Stay up to date on industry trends and new developments in payments technology to help improve payment processing efficiency. 

About You: 

• Experience in the Australian payments landscape, specifically, the management of disputes processing.   

• At least 3 years’ demonstrated experience in product management including demonstrated experience in development and execution of product management tactics. 

• A desire to walk in the shoes of our clients as you identify areas to add value and drive these to conclusion.   

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. 

Our client’s success is our success. And you make it happen! 

Payment systems are complex, regulated and everchanging. We are an established market leading brand who are focused on driving client growth. We’re at the forefront of innovation punching above our weight. We’re enabling the future for our clients through innovative technology like the New Payments Platform (NPP) and open banking.   
 
We are a listed public company (ASX:CCL) and one of five licensed banks in Australia with full direct connectivity and production capability across all domestic payment systems. Whilst the major banks leverage this capability for their consumer and business clients, our B2B model focuses on enabling other banks, fintech’s and corporates to deliver innovative and competitive payment and digital solutions to their clients and customers. 

We are looking for a Manager, Operational Risk to join our 2nd Line Group Risk and Compliance Team 

This is a highly visible role in the business and will be responsible for the operational oversight of Operational Risk across five key areas: 

1) Framework Development 

• Design, enhance, implement and own the Operational Risk Management Framework in line with the Cuscal’s regulatory requirements (e.g. APRA’s CPS 230), industry best practices and operating environment in line with three lines of defence  

• Ensure line 2 risk management capability is built and sustained to review, challenge, oversight and assurance reinforcing line 1 accountability with the business owners 

• Develop and maintain comprehensive operational risk metrics, policies, and procedures. 

2) Risk Transformation 

• Play a crucial role as the Operational Risk SME in Program Diamond to ensure that the risk framework design is fit for purpose and suitable to Cuscal’s business and operational environment and ways of working.  

• This would involve looking at the end-to-end risk value chain and transform how we manage risks across 3LoD from a people, process and technology perspective 

3) Business Risk Advisory 

• Review and challenge risk/RiC assessments, adequacy and effectiveness of risk mitigation strategies, controls, and action plans implemented by 1st line teams.  

• Critically assess incidents, breaches, and near misses to identify systemic issues and recommend appropriate remediation actions. 

• Ensure the continuous improvement of risk management practices by engaging with business units to provide constructive feedback and challenge assumptions.  

• Act as a trusted advisor to senior leadership and business units on operational risk matters, including emerging risks, regulatory changes, and industry trends. 

• Drive education and training programs to elevate operational risk awareness and capabilities across the organisation.  

• Collaborate with product, client, and technology teams to ensure operational risk considerations are integrated into new initiatives, system changes, and major projects. 

4) Oversight and Monitoring 

• Oversee the implementation of key risk indicators (KRIs), risk control metrics, and performance dashboards to monitor our operational risk exposure on an ongoing basis.  

• Prepare data driven risk reports for executive committees, providing clear and actionable insights into key operational risks, trends, and emerging issues. 

• Oversee incident and issue management and remediation, including timely escalation, root cause analysis, and lessons learned. 

5) Risk Governance 

• Oversee, monitor and maintain standards/processes to ensure risk system integrity   

• Develop Operational risk reporting to relevant committee forums, ensuring risk information is data driven, comprehensive, accurate, and insightful. 

• Work closely with internal audit and compliance functions to ensure a coordinated approach to risk management and control assurance.  

• Maintain and update risk governance documents, including terms of reference for committees and support risk committees as required. 

About You 
To be successful in this position you will have the following skills and experience: 

• 5+ years of experience in Operational Risk management within the finance and banking industry  

• Solid understanding of relevant laws and regulations, industry codes, standards, prudential requirements 

• Demonstrated experience in operational risk and compliance roles, in the financial services sector, including the design and implementation of effective risk and compliance management frameworks, and a sound knowledge of APRA prudential standards.    

• Demonstrated experience in building risk and compliance maturity and capability across the first and second lines of defence and experience/exposure to better industry practice   

• Strong inter-personal and communication skills with the ability to build effective workplace relationships.   

• Proficient in executing change management activities 

What’s it like to work here? 

As well as good pay and a great culture, we back our employees by helping them work towards industry-recognised qualifications, using online learning, training modules and career planning tools for you to grow with us. 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 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 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. 

Our client’s success is our success. And you make it happen! 

Payment systems are complex, regulated and everchanging. We are an established market leading brand who are focused on driving client growth. We’re at the forefront of innovation punching above our weight. We’re enabling the future for our clients through innovative technology like the New Payments Platform (NPP) and open banking.   
 
We are a listed public company (ASX:CCL) and one of five licensed banks in Australia with full direct connectivity and production capability across all domestic payment systems. Whilst the major banks leverage this capability for their consumer and business clients, our B2B model focuses on enabling other banks, fintech’s and corporates to deliver innovative and competitive payment and digital solutions to their clients and customers. 

We are looking for a Manager, Operational Risk to join our 2nd Line Group Risk and Compliance Team on a 12 Month Contract. 

This is a highly visible role in the business and will be responsible for the operational oversight of Operational Risk across five key areas: 

1) Framework Development 

• Design, enhance, implement and own the Operational Risk Management Framework in line with the Cuscal’s regulatory requirements (e.g. APRA’s CPS 230), industry best practices and operating environment in line with three lines of defence  

• Ensure line 2 risk management capability is built and sustained to review, challenge, oversight and assurance reinforcing line 1 accountability with the business owners 

• Develop and maintain comprehensive operational risk metrics, policies, and procedures. 

2) Risk Transformation 

• Play a crucial role as the Operational Risk SME in Program Diamond to ensure that the risk framework design is fit for purpose and suitable to Cuscal’s business and operational environment and ways of working.  

• This would involve looking at the end-to-end risk value chain and transform how we manage risks across 3LoD from a people, process and technology perspective 

3) Business Risk Advisory 

• Review and challenge risk/RiC assessments, adequacy and effectiveness of risk mitigation strategies, controls, and action plans implemented by 1st line teams.  

• Critically assess incidents, breaches, and near misses to identify systemic issues and recommend appropriate remediation actions. 

• Ensure the continuous improvement of risk management practices by engaging with business units to provide constructive feedback and challenge assumptions.  

• Act as a trusted advisor to senior leadership and business units on operational risk matters, including emerging risks, regulatory changes, and industry trends. 

• Drive education and training programs to elevate operational risk awareness and capabilities across the organisation.  

• Collaborate with product, client, and technology teams to ensure operational risk considerations are integrated into new initiatives, system changes, and major projects. 

4) Oversight and Monitoring 

• Oversee the implementation of key risk indicators (KRIs), risk control metrics, and performance dashboards to monitor our operational risk exposure on an ongoing basis.  

• Prepare data driven risk reports for executive committees, providing clear and actionable insights into key operational risks, trends, and emerging issues. 

• Oversee incident and issue management and remediation, including timely escalation, root cause analysis, and lessons learned. 

5) Risk Governance 

• Oversee, monitor and maintain standards/processes to ensure risk system integrity   

• Develop Operational risk reporting to relevant committee forums, ensuring risk information is data driven, comprehensive, accurate, and insightful. 

• Work closely with internal audit and compliance functions to ensure a coordinated approach to risk management and control assurance.  

• Maintain and update risk governance documents, including terms of reference for committees and support risk committees as required. 

About You 
To be successful in this position you will have the following skills and experience: 

• 5+ years of experience in Operational Risk management within the finance and banking industry  

• Solid understanding of relevant laws and regulations, industry codes, standards, prudential requirements 

• Demonstrated experience in operational risk and compliance roles, in the financial services sector, including the design and implementation of effective risk and compliance management frameworks, and a sound knowledge of APRA prudential standards.    

• Demonstrated experience in building risk and compliance maturity and capability across the first and second lines of defence and experience/exposure to better industry practice   

• Strong inter-personal and communication skills with the ability to build effective workplace relationships.   

• Proficient in executing change management activities 

What’s it like to work here? 

As well as good pay and a great culture, we back our employees by helping them work towards industry-recognised qualifications, using online learning, training modules and career planning tools for you to grow with us. 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 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 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. 

What is this role about?

Manager, Data Governance will work alongside Senior Manager, Data Governance to lead the data risk management and data governance function.

The role is essential for ensuring data risks are effectively identified, assessed, managed and monitored across Cuscal, in line with regulatory expectations (CPG235).

Here’s more of what you’ll work on:

• Execute Data and Data Risk Management Roadmap, Workplan: Lead the execution of Data and Data Risk Management Roadmap, Work Plan to implement data management principles.
   
• Embed Risk Practices and Mindset: Collaborating with product domains and corporate functions to embed data risk management principles and minimum requirements into day-to-day business activities.
   
• Risk Reporting and Analytics: Prepare regular updates for review highlighting key risk areas and recommendations, for reporting at Data Governance Committee (DGC), Technology Risk Committee, Enterprise Risk Committee.
   
• Facilitations of workshops: Bringing data under management at Cuscal to ensure critical data elements are identified, understood with business lineage, have quality requirements defined, have risks and controls assessed, and data issues managed, reported and resolved.
   
• Line 1 Risk: Perform 1LoD data risk management supporting teams with risk identification, assessment, incident and issue management, controls implementation and vendor risk assessment.
   
• Operationalise the Data Operating Model: Act as change champion and SME for Data Owners and Data Stewards.
   
• Custodian of Data Governance Tool: Support the rollout and adoption of the tool to product domains and corporate functions. 

Our client’s success is our success. And you make it happen!

Payment systems are complex, regulated and everchanging. We are an established market leading brand who are focused on driving client growth. We’re at the forefront of innovation punching above our weight. We’re enabling the future for our clients through technology like New Payments Platform (NPP) and Open Banking.   

 We are an unlisted public company and one of five licensed banks in Australia with full direct connectivity and production capability across all domestic payment systems. Whilst the major banks leverage this capability for their consumer and business clients, our B2B model focuses on enabling other banks, fintech’s and corporates to deliver innovative and competitive payment and digital solutions to their clients and customers.  

We are looking for a Credit Risk Manager 

Reporting into the Head of Credit Risk, the main responsibility of this role is to aid in the management of Cuscal’s credit risk in accordance with prudential standards and Board policy to minimise the potential for loss. 

The Credit Risk Manager will conduct monitoring and management of Cuscal’s credit risk on a portfolio of counterparty exposures. This includes the preparation and process of applications from financial institutions and other potential borrowers/counterparties for approval, by carrying out necessary credit, liquidity and other assessments in line with the documented procedures.    

The role responsibilities sit across four key areas: 

Credit Risk Management 

• Management of credit risk on a selected portfolio of ADIs and corporate exposures.   

• Ongoing monitoring of counterparties' credit and liquidity worthiness and their latest development via all available means such as periodic financial updates and covenant, limit excess or watch list reporting. 

• Identification of emerging credit/counterparty risks and providing these results, including the completion sector papers as required, to key internal stakeholders for consideration. 

Credit Evaluation & Decision Making 

• Preparation and processing of detailed credit submissions for all committed and uncommitted facility applications and annual reviews on designated counterparties for approval by delegated authorities in accordance with Cuscal’s policies.  

• Provision of timely credit decisions for all permanent and transactional credit requests as per delegated authorities. 

• Provide insights and recommendations for ongoing improvement to existing credit risk related policies and procedures and their implementation. 

Client & Stakeholder Engagement 

• Where applicable, meet with new and prospective clients for credit risk related matters. 

• Providing information, training, advice and tools to the first line of defence to assist them to identify, manage and monitor risks.   

• Assist with completing credit risk related remediation actions. 

Reporting 

• Maintain complete and accurate counterparty records in all risk management system and database on the designated portfolio.   

• Assist in the preparation of reports for submission to ALCO and the Board Risk Committee and any other committees as required. 

About You  

This is a crucial position within Cuscal and requires the ideal candidate to have extensive credit experience covering financial institutions and corporates and a sound understanding of credit analysis techniques.  

As the successful candidate we invite you to also have:  

• Good general knowledge of the APRA prudential standards, particularly those applicable to ADIs   

• Familiarity with lending practices and products  

• Comprehensive understanding of credit scoring models and rating agencies   

• Ability to read and understand balance sheets, profit & loss, cash flow statements and other financial reports.  

• You are a natural collaborator and your ability to influence action and outcomes across cross functional groups   

• Analytical and critical thinking mindset  

• Self-assured in providing accurate results in a tight deadline driven environment.   

• Tertiary education in an accounting discipline or similar field. 

Service Operations is responsible for the availability and reliability of the IT Services enabling Cuscal to make payments easy, accessible, and secure for our clients and partners. We look to provide Consistent, Reliable and Robust delivery of IT Services whilst enabling Agility and Continuous Improvement to enable Cuscal to remain competitive.

As the IT Service Continuity Manager, you will oversee all aspects of service continuity including Disaster Recovery and Business Continuity planning (BCP). This role will work with the business and external auditors to ensure all aspects of service continuity and recovery are being continuously planned and managed.

In this role you will be responsible for:

• Disaster Recovery Plan creation, implementation, maintenance and recovery testing.
• Conducting technology impact, availability, and continuity risk assessments of critical technology assets.
• Recovery technology solution evaluation with various infrastructure technology domains.
• Conducting business impact analysis for each business segment to determine critical business processes, identify and justify recovery time periods and establish recovery resource requirements.
• Recommending recovery strategies and options and assisting with the implementation of the recovery solutions.
• Participates on project teams, provides templates and guidance for the documentation of business continuity and disaster recovery plans.
• Administering enterprise business continuity tools and provides training while conducting knowledge transfer regarding business continuity best practices.
• Establishing and coordinate business recovery testing methodologies.
• Executing internal business continuity plans to validate adequacy and understanding. As well as delivering training to key employees that will embed and execute them.
• Preparing reports on the company business recovery readiness for management and customers alike.

Our client’s success is our success. And you make it happen! 

Payment systems are complex, regulated and everchanging. We are an established market leading brand who are focused on driving client growth. We’re at the forefront of innovation punching above our weight. We’re enabling the future for our clients through innovative technology like the New Payments Platform (NPP) and open banking.   
  
We are an unlisted public company and one of five licensed banks in Australia with full direct connectivity and production capability across all domestic payment systems. Whilst the major banks leverage this capability for their consumer and business clients, our B2B model focuses on enabling other banks, fintech’s and corporates to deliver innovative and competitive payment and digital solutions to their clients and customers. 

We are looking for a Senior Manager, Compliance to enable us to comply with all regulatory requirements, industry standards and internal standards. 

This is a highly visible role in the business and will be responsible for the embedment of compliance frameworks, programs, policies and supporting tools. In addition to regulatory adherence, the purpose of the role is to: 

• Develop, maintain and monitor the implementation of Cuscal’s compliance framework to support Cuscal in complying with legal and regulatory requirements (covering but not limited to Privacy, financial crime and AML/CTF, prudential regulations, and industry standards), including:  

• Implement and embed initiatives to ensure sustainable practices. This includes, but not limited to, providing information, training, advice and tools to the first line of defence to assist them to perform compliance management activities  

• Develop and monitor the implementation of and reporting on Cuscal’s frameworks, policies and standards for managing compliance risks, including financial crime, money laundering, terrorism financing, bribery and corruption, fraud and sanctions (Australia and NZ jurisdictions).  

• Support the AML/CTF Officer to discharge responsibilities including completing and submitting reports to AUSTRAC (as required), using information provided by business units.  

• Support the establishment and embedment of a second line assurance and monitoring program.  

• Oversee and monitor the implementation and effectiveness of the Compliance Management across the organisation. 

• Actively participate and provide input to change initiatives and projects as they relate to compliance management, including APRA CPS 230 initiatives  

• Review and make recommendations for the continuous improvement of the Governance, Risk and Compliance (GRC) system with a strong focus on data quality accuracy, process improvement and validation.   

• Provide input to the development, maintenance and monitoring of the Complaint Resolution Policy & Procedure.    

About You 
To be successful in this position you will have the following skills and experience: 

• Demonstrated experience in operational risk and compliance roles, in the financial services sector, including the design and implementation of effective risk and compliance management frameworks, and a sound knowledge of APRA prudential standards.    

• Solid understanding of relevant laws and regulations, industry codes, standards, prudential requirements

• Demonstrated experience in building risk and compliance maturity and capability across the first and second lines of defence and experience/exposure to better industry practice   

• Strong inter-personal and communication skills with the ability to build effective workplace relationships.   

• Proficient in executing change management activities 

What’s it like to work here? 

As well as good pay and a great culture, we back our employees by helping them work towards industry-recognised qualifications, using online learning, training modules and career planning tools for you to grow with us. 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 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 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. 

We are looking for a Manager, Identity and Privileged Access Engineering, to spearhead the strategic development, deployment, and governance of comprehensive Identity and Access Management (IAM) and Privileged Access Management (PAM) frameworks.

 What is this role about?

As the Manager, Identity and Privileged Access Engineering, you will be accountable for safeguarding sensitive systems and data within a high-stakes payment and data service environment by ensuring robust access controls and mitigating risks associated with privileged accounts. You will lead a dedicated team of engineers, fostering a culture of excellence and innovation while collaborating with cross-functional stakeholders to, ensure regulatory compliance, enhanced security posture, drive operational efficiency, and strategically align IAM and PAM initiatives with Cuscal goals to support business objectives and maintain a resilient security architecture.

Here’s some more insight into what you’ll work on,

• Lead and manage a team of IAM and PAM engineers, providing strategic guidance, mentorship, and support to foster a high-performing culture of continuous improvement, collaboration, and innovation.
• Develop and implement IAM and PAM strategies and roadmaps that align with Cuscal security objectives and business goals, ensuring the deployment of secure, scalable, and effective systems and processes.
• Collaborate with cross-functional teams, including IT, compliance, and business units, to ensure IAM and PAM solutions meet organizational needs and regulatory requirements.
• Oversee the design, deployment, and management of IAM and PAM systems and processes, ensuring they are secure, scalable, and effective.
• Evaluate and recommend tools and technologies to enhance the security and efficiency of IAM and PAM operations.
• Ensure the integration of IAM and PAM solutions with other security technologies and infrastructure components.
• Ensure IAM and PAM practices comply with industry standards, regulatory requirements, and organizational policies, including PCI-DSS, APRA, and other relevant regulations.
• Monitor and audit IAM and PAM systems to detect unauthorized access and potential security breaches, and act as a technical leader in resolving incidents, collaborating with incident response teams for thorough investigation and remediation.
• Develop and enforce robust policies and procedures for privileged access management, including least privilege, just-in-time access, session monitoring, and user lifecycle management, optimizing operations through automation and integration with existing security workflows.
• Provide regular updates and comprehensive reports to senior management on IAM and PAM activities, risks, and improvements, ensuring transparency and alignment with organizational security objectives.

Our client’s success is our success. And you make it happen 
 
Payment systems are complex, regulated and ever-changing. And, while we may be small, we are at the forefront of innovation punching above our weight. We’re enabling the future for our clients through tech like NPP (New Payments Platform), buy now, pay later, and open banking.  
 
Our product teams are the eyes and ears of Cuscal. They’re client-focused relationship managers, serving everything from business development, marketing, fraud, and customer support. They work out what clients need, so we can build it and launch it… often, in months, not years.  
 
We are looking for a Product Manager to join our Open Banking team.  

Open Banking refers to the application of the Consumer Data Right (CDR) to the banking sector. Significant resources are required to build, maintain and uplift the technical platforms and operational processes that underpin CDR. As a reliable CDR partner, Cuscal provides the infrastructure and connectivity solutions businesses need to connect to this open data ecosystem. 

Cuscal has leveraged nearly 60 years of experience managing sensitive payments data, to create solutions that help businesses comply with CDR. These include data holder, data recipient and data holder production verification testing.  

About the Role: 

• Design value propositions that differentiate Cuscal’s position in the market  

• Ensure that there are clearly defined product requirements, SLAs aligned to market needs, pricing models and distribution channels. 

• Manage the integration of new product development or product change into existing processes.  

• Evaluate product competitiveness to enhance business impact and product profitability. 

• Ensure that all products, services, and activities are compliant with all forms of regulation, legislation and/or policies.   

• Clearly understand the relationship between the clients and Cuscal and take every opportunity to enhance the relationship with our clients. 

• Monitor projects to provide recommendations and solutions in line with product roadmaps.  

• Develop, prepare, and deliver presentations or communications on products and services to clients and other interested parties to assist in the education process and marketing of Cuscal’s products.  

• Stay up to date on industry trends and new developments in payments technology to help improve payment processing efficiency. 

About You: 

• At least 3 years’ experience in product management in a regulated industry (CDR experience is highly regarded but not mandatory).   

• Demonstrated Experience in development and execution of product management tactics for complex products  

• Demonstrated experience in product development/enhancement of business cases for B2B Partners and clients  

• Domain experience in payments issuing, switching, settlements and/or disputes is highly regarded  

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.