Total 57 job vacancies by Cuscal

2x Positions Available: We are looking for a Mid-level Data Engineer & Associate Data Engineer to join our Data Team to support the performance, integrity, and security of the organization's databases.

What is this role about?

The data engineer is responsible for building a data platform to help develop self-serve BI capability and enforce the data management practices are implemented as part of solution design. Help foster a culture of continuous improvement in processes, operations, and support by enforcing best practices and ensuring that the team consistently maximizes the efficiency and effectiveness of the platforms.

Here's more of what you’ll work on:

• Develop and Maintain AWS Data platform infrastructure code through Terraform.
• Produce the platform for extraction, loading and transformation (ELT) of data from a wide variety of data sources using ‘Big Data’ technologies by building an Integration Hub.
• Implement, review, and manage governance policies to help implement them on the data platforms.
• Manage the release of configuration changes to production environments in accordance with Cuscal change management principles.
• Manage and process complex, large data for analysis (e.g., hierarchies of datasets, inter-relationships, partitions, views, etc.)

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. 

What is this role about?

We are looking for an Agile Coach to join our business to coach and mentor agile teams through transformational change to drive engagement and deliver on key business objectives. 

This role is accountable for creating and implementing new capabilities and ways of working across Cuscal.  As Agile Coach leading Communities of Practice, training Cuscal employees whilst also supporting other Cuscal teams, you will develop an expertise in Agile@Cuscal and supporting individuals, teams, leaders, squads, Scrum Masters & Product Owners across the broader organisation in embedding Agile ways of working.  You will leverage your knowledge to understand many of Cuscal’s current processes and be able to lead and coach teams in their adoption of agile while solving key business problems facing Cuscal.  In this role you will communicate effectively across all levels of the organisation assisting to drive cultural change, new ways of working, challenge the status quo, and creating change.

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

• Drive adoption of recently implemented agile ways of working across teams and the broader organisation
• Coach and support Product Owners, Scrum Masters and more broadly the scaled Agile teams
• Coach and support non-squad teams to embed agile ways of working throughout the broader organisation
• Develop and execute coaching plans for teams
• Develop and deliver Agile training for teams and business stakeholders
• Support the Agile@Cuscal scaling framework, helping to facilitate where needed and coaching attendees
• Contribute to the Cuscal Agile knowledge base, including but not limited to contributing to the Cuscal Agile Playbook and participating in the Agile Centre of Excellence
• Identify, collect, and report on agile practice metrics and measurement
• Identify and work to resolve barriers to scaling use of agile

We're Seeking a Solution Architect with Payments Experience!

Note: Recruitment to commence Mid-January 2025.

This role is pivotal in developing architectural designs that align seamlessly with our strategic initiatives and operational needs.

As a Solution Architect, you'll play a key role in guiding the future of our technological landscape.

Key Responsibilities Include:

1. Interpret Business Needs:
   • Translate both business and technical requirements into an architectural blueprint and non-functional requirements such as availability, disaster recovery, and security.
   • Develop solution architectures that adhere to our Technology Strategies including API, Cloud, and Cyber Strategy, ensuring compliance with governance obligations.
   • Collaborate closely with product owners and managers to support robust architectural foundations that accommodate future business demands.
   • Understand and integrate business drivers and enterprise solution designs to drive targeted outcomes.
   • Example Deliverables: Requirements traceability document, business process diagrams.
2. Assess Technology:
   • Monitor and evaluate our current technology landscape to identify and rectify deficiencies.
   • Stay abreast of global trends and disruptions to make informed technological decisions.
   • Support lifecycle management and strategic decision-making for end-of-life products.
   • Analyse market trends and competitor strategies to proactively adjust our technological trajectory.
   • Example Deliverables: Current state architecture documentation, vendor assessments for RFP, technology lifecycle plans.
3. Apply Technology:
   • Lead the design and implementation of solution architectures across various business applications and technologies.
   • Develop a roadmap for the evolution of the enterprise solution portfolio from its current to future state.
   • Provide consultancy across a wide range of technologies and projects, ensuring alignment with enterprise standards.
   • Work closely with the Domain Lead to ensure effective execution of architectural plans.
   • Example Deliverables: Solution architecture designs, enterprise target state architecture.
4. Provide Enterprise Guidance:
   • Deliver standards, models, and architectural designs to support governance and ensure compliance with enterprise architecture.
   • Facilitate a community of practice to align agile squads and product owners with enterprise architecture.
   • Define and direct governance activities for solution architecture assurance.
   • Example Deliverables: Solution scorecard, enterprise reference architecture components.

Join us to harness your leadership and technical expertise in a role where you can genuinely make a difference, driving innovation and excellence throughout Cuscal.

Together, we'll architect solutions that not only meet but exceed our business goals, fostering an environment of continuous improvement and technological advancement.

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. 

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. 

We are looking for a motivated and dynamic Assistant Finance Business Partner to join our Business Unit Finance team, supporting our Product teams!

What is this role about?

The role supports the Finance Business Partner in the delivery of quality advice and information to support their allocated Product Domain business unit to meet and exceed their financial targets in the short, medium, and long term. This role covers the full P&L, with a 90% weighting on Revenue Management.

The responsibilities in this role include but are not limited to the following:

Reporting:

• Performance Monitoring: Assist the Finance Business Partner with the monthly financial activities end to end for your Domain, covering month, YTD and performance reporting including driver-based variance analysis and commentary on Product Revenue, Operating costs and Investment activities.
• Performance Reporting: Support the preparation of the monthly performance dashboards, highlighting key metrics, trends, and variances. Ensure reports are clear, accurate, and provide actionable insights.
• Accruals & adjustments: Prepare and process accruals or adjustments to ensure that financial statements reflect the true economic condition of the BU.
• Bi-annual Reporting: Support delivery of half year and year end commentary to the financial statements for the Domain’s Product drivers.

Decision Support:

• Support the Finance Business Partner with the provision of high-quality driver-based commentary and insights to support key stakeholder decision making
• Business partnering with key stakeholders in the Domains and across Channels and Finance teams.
• Support both the Business Unit Finance Team and Domains with continuous improvement initiatives. Focused on enhancing productivity, efficiency, and the overall effectiveness of financial processes, and to drive insightful reporting developments.

Forecasting & Budgeting:

• Assist with the delivery of financial plans and forecast – construct and maintain a driver based 3-year strategic plan and rolling monthly forecast in accordance with timetable.
• Analysis of inputs, particularly transaction drivers (or similar) working with the business to gain driver-based inputs and insights.
• Support the preparation of qualitative insightful reporting on budget/forecast submissions, including potential opportunity and risks

We are looking for a Full Stack Developer to join our Payments domain.

You will be responsible for developing, maintaining, and supporting applications and systems that support the business needs of the customer. This includes analysis, design, build, test, and documenting solutions according to approved current standards and best practice methodology.  

In this role you will be responsible for:  

• Preparing technical specifications and program design documents to meet user requirements and functional specifications.  
• Performing analysis to support application and system design  
• Analysing, designing, developing and testing software solutions that meet user requirements according to approved IT standards and best practice methodology. 
• Adhering to architecture, design, implementation, and security standards and best practices.
• Developing reusable software building blocks to enable faster delivery. 

We are looking for a Lead Data Engineer to join our Data Domain!

What is this role about?

In this newly created, critical role, you will be responsible for the design, development and support of the Data Products Cuscal creates for both internal and client facing use cases. The role accomplishes this by:

• Sourcing, transforming, securing and monitoring data for the creation of products using Cuscal’s data lake and analytics systems.
• Engaging in discovery activities with the Data Product Owner and product, engineering and analytics personnel from both internal and client teams.
• Working in partnership with our Data Practice to deliver solutions that meet our organisational standards and best practices.

Here's more of what you’ll work on:

• Design Solutions: Develop and maintain scalable pipelines. Ensure systems are designed for extensibility, are robust, and can handle large volumes of data efficiently.
• Data Integration: Lead efforts in integrating data from various sources, ensuring data quality and consistency. Work on data transformation, processing, and loading to support analytics and business intelligence needs.
• Performance Optimisation: Identify and resolve performance bottlenecks within the Databricks environment, including optimizing the data ingestion processes and ensuring efficient data querying.
• Collaboration: Work closely with data scientists, analysts, and other stakeholders to understand data requirements and deliver solutions that meet those needs. Provide guidance and mentorship to junior data engineers.
• Innovation and Improvement: Continuously explore new data technologies and methodologies. Implement best practices for data engineering in partnership with our Data practice.
• Documentation: Maintain comprehensive documentation of data workflows, architectures, and best practices. Ensure that all data processes are well-documented and reproducible.
• Security and Compliance: Ensure data security and compliance with industry standards and regulations. Implement data governance practices and monitor adherence to policies.

We are looking for a motivated, People & Culture Coordinator to join our dynamic People & Culture team!   

What is this role about?

The P&C Coordinator is responsible for providing efficient and effective HR administrative and process support to the P&C team and all business stakeholders. This role is key in supporting employees through the entire employee lifecycle.

The responsibilities in this role include but are not limited to the following:

• Act as the first point of contact for P&C enquiries by managing the P&C inbox, monitoring, and action of time in the employee self-service portal (Elvis) and coordination of the distribution of workload to the team as appropriate
• Assist with the troubleshooting of employee enquiries relating to P&C related systems
• Work closely with the P&C team and Payroll to maintain accurate people-related data within P&C related systems
• Provide end-to-end onboarding support, including the creation of positions, issuing employment contracts using Cuscal's digital onboarding tool, monitoring of acceptance and completion, processing of required background checks and work effectively with the Payroll team to ensure new employees are on-boarded into the payroll system within agreed timeframes
• Provide support to People Leaders & P&C Business Partners through the timely delivery of employee correspondence, including letters and contracts for internal movements, promotions & changes
• Responsible for the updating of P&C related information on Central
• Ensure the accurate payment of accounts are actioned weekly, within required timeframes, and work with the appropriate P&C leader to reconcile where appropriate (ie training and recruitment budgets)

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 digital payment solutions, the New Payment Platform (NPP), 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 Data Scientist to join our Financial Crime Team and help advance our Financial Crimes monitoring program  

As payment methods evolve, so too do the efforts of criminals in their attempts to defraud businesses and consumers.  From sophisticated online scams to identity theft and phishing. We’re looking for a Data Scientist to continue to drive forward Cuscal’s robust fraud monitoring solutions that leverage artificial intelligence (AI) and Machine Learning (ML) to stay ahead of emerging fraud trends, while protecting our clients; their customers, brand, and balance sheets.  

Reporting to the Senior Data Scientist, the Data Scientist will identify, prioritise and undertake a range of research and analytical activities leveraging all available data assets to help solve complex business problems.  

About the Role: 

1) Data Science Strategy and Planning: 

• Develop Cuscal fraud detection and prevention strategies to stay ahead of emerging fraud trends and evolving threats.  

• Formulate a coherent cross-business approach and strategic/tactical plan for big data initiatives. 

2) Data Analysis and Modelling 

• Conduct proactive, in-depth analysis of multiple data sets to prevent high-risk and financial crimes activity and emerging threats or optimize current monitoring across multiple channels, including cards, 3D secure, digital wallets, real-time payments, and PayTo.  

• Develop and optimise predictive modelling software programs, algorithms, and automated processes to cleanse, integrate, and evaluate large data sets from multiple disparate sources. 

• Perform deep-dive analyses of experiments through reliable modelling methods that include numerous explanatory variables and covariates.  

• Translate analytical insights into concrete, actionable business, process, or product improvement recommendations. 

3) Continuous Improvement: 

• Deliver continuous improvement activities to prevent threats while optimizing customer experience and operational outcomes, including improvements to identify undetected fraud.  

• Ensure all processes for data analysis, machine learning models, and model governance are aligned to Cuscal’s AI strategy, including best practice guidelines for instrumentation and experimentation. 

• Adopt data science best practices to deliver quantitative improvements to the analytics and process modelling functions.

About You: 

• University qualification in data science, Computer Science, Statistics, or a related field. Industry certifications related to data science and fraud detection highly regarded  

• Demonstrated experience working with tools that deploy fraud rules and Machine Learning algorithms. 

• Financial Services experience in payments, Card payments, Acquiring, 3D secure, Digital banking and real-time payments. Experience in fraud and financial crimes is desirable.   

• Understanding of relational databases and programming, including SQL, R, and Python 

• Experience interpreting data from visualisation tools such as PowerBI and visualisation libraries such as Matplotlib, Seaborn, and Plotly. 

• Data mining of large data sets to identify emerging patterns, trends and opportunities. 

• Knowledge of Natural Language Processing and Large Language Models is desirable.  

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 Financial Analyst, Regulatory Reporting & Treasury to join our Finance, Reporting & Control team.

What is this role about?

In this newly created, critical role, you will be responsible for the preparation and submission of accurate APRA regulatory reports. You will work closely with various departments to gather necessary data and ensure timely reporting. Daily monitoring and reconciliation for the Treasury function, responsibility for internal reporting and monitoring of prudential limits; and ensuring a robust control environment where risk is managed on a daily basis.

Here's more of what you’ll work on:

• Ownership and maintenance of the team’s regulatory reporting requirements calendar
• Preparation and submission of Group Finance’s APRA reporting requirements, primarily including Balance Sheet, Liquidity, Risk and Capital Adequacy reporting
• Collaborate with finance, risk, and compliance teams to gather and validate data for reporting purposes
• Conduct data analysis and ensure completeness of regulatory returns
• Assist in Regulatory Capital reporting to the Board and sub-committees
• Preparation of Regulatory Capital forecasting
• Providing support and inputs to the Risk team to assist them in discharging their APRA governance and risk management duties
• Preparation of daily Treasury control functions (P&L review, reconciliations)
• Daily and monthly monitoring of prudential limits (e.g. APS 110/111 Capital, APS 221/222 exposures) in line with internal policy and APRA requirements
• Conduct detailed analyses of treasury data to identify trends and variances
• Maintain and reconcile Treasury related general ledger accounts to ensure accuracy and integrity of financial data, as well as resolve and escalate reconciliation issues in accordance with policy
• Ensure all assigned tasks are performed per documented internal policies

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 the New Payments Platform (NPP) 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 Billing Officer to join our Shared Services team.  

Shared Services refers to the domain within our Product Division that has business ownership and accountability for the common assets and functions used within the Product Division. Shared Services is complex.  As the link between other product domains, we are the business owner of over 40 applications.  

Our Client Interfaces and Billing squad exists to make it easy for clients to access Cuscal systems and make Cuscal fees and billing simple so they can optimise their costs. Reporting to the Senior Product Manager, the Billing Officer is responsible for the accurate, timely and efficient completion of client billing activities. 

About the Role: 

• Own monthly billing and reporting processes including the preparation and submission of monthly metrics and billing reports for transaction processing fees  

• Handly monthly invoice processing from vendors and to clients by retrieving/collating reports and initiating invoicing processes 

• Validate and process invoices from payment schemes and industry associations including volume-based charges and agreed thresholds.   

• Accurately calculate and submit manual billing for low-volume products when necessary. 

• Respond promptly to inquiries regarding billing calculations and validations.   

• Support client contract renewals by providing up-to-date pricing and billing details to the sales team. 

• Ensure consistency and accuracy of revenue fee codes and expense billing lines across various systems.  

• Conduct monthly audit checks to ensure billing accuracy and completeness.  

• Investigate and resolve billing discrepancies reported by internal client or product teams  

About You: 

• Tertiary qualifications in accounting, finance or business  

• Experience with or knowledge of payment schemes highly regarded 

• Advanced excel skills  

• High level of proficiency in other Microsoft applications (including Word and Outlook). 

• High level of accuracy, numeracy, and attention to detail.   

• Ability to identify, investigate and reconcile exceptions and variances. 

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 Software Engineer to join our Shared Services domain.   

As a member of our Client Interface and Billing team, you’ll be responsible for developing, maintaining, and supporting applications and systems that support the business needs of the customer. This includes analysis, design, build, test, and documenting solutions according to approved current standards and best practice methodology.  

In this role you will be responsible for:  

• Preparing technical specifications and program design documents to meet user requirements and functional specifications.  
• Performing analysis to support application and system design. 
• Analysing, designing, developing and testing software solutions that meet user requirements according to approved IT standards and best practice methodology. 
• Adhering to architecture, design, implementation, and security standards and best practices. 

• Developing reusable software building blocks to enable faster delivery. 

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 an Information Security Risk Management Lead in our Group Risk and Compliance Team.  

Reporting to the Head of Operational Risk and Compliance, the Information Security Risk Management Lead is responsible for technology risk advisory, review/challenge, oversight and monitoring over information security and data risk frameworks and how it is operationalised. 

This is a highly visible role in the business ensuring technology risks are effectively identified, assessed, managed and monitored across Cuscal. Responsibilities of the Information Security Risk Management Lead in the team’s capacity as the second line of defence under the Risk Management Framework fall into four key areas: 

1) Technology Risk Management Framework Advisory, Oversight and Monitoring 

• Ensure Information Security Risks (technology and cyber) and Data risks are adequately managed through Cuscal’s frameworks in line with regulatory requirements (e.g. CPS 234,230, CPG 235 etc.), 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 and maturing line 1 accountability with the business owners   
• Work collaboratively with Product domains, Engineering and corporate functions to embed technology risk management practices into everyday activities, embed controls, and monitor/report on issues.  
• Foster a risk culture that promotes open communication, transparency, and ownership of risk at all levels of the organisation  
• Risk Reporting & Analytics: Provide insights derived from technology and data risk reporting to the Board and Executive Leadership Team 

2) 2nd Line Review, Challenge and Oversight 

• 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.   
• Line 2 support for assessments of third-party technology risks and controls. 

3) Emerging Risks and Innovation 

• 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. 
• Review/provide oversight over initiatives to automate technology risk & controls monitoring processes using advanced tools and technologies.  
•  Promote a culture of innovation in risk management practices, encouraging the adoption of new approaches and technologies. 

4) Stakeholder Engagement 

• Work closely with internal and external stakeholders as required, to ensure a cohesive approach to technology risk management.  
• Develop and deliver training programs to enhance technology risk awareness and competency across Cuscal.  
• Promote and drive a positive risk culture to lift overall risk management maturity across Cuscal.   

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

• Bachelor’s degree in information technology, Information Systems, Risk Management, Cybersecurity, Computer Engineering, or a related field. Relevant certifications (e.g., CRISC, CISA, CISSP) are desirable. 
• Minimum of 4-6 years of experience in technology risk management within the financial services industry. 
• Strong knowledge of risk management and IT frameworks and standards such as ITIL, ISO 27001, NIST, COBIT, and relevant APRA guidelines (CPS234, CPG235, CPS230, CPS220) 
• Demonstrated experience in managing risks associated with AI, machine learning, and other emerging technologies. 
• Prior experiencing leading risk maturity uplift at another organisation within a function, business unit or risk class. 
• Strong project management skills, including planning, execution, and stakeholder management. 

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. 

What is this role about? 

The Support Engineer will, ensuring the availability, performance, and maintenance of mission critical systems. 

As a member of our DevOps Engineering team, you’ll be responsible for: 

• Taking ownership of the operational lifecycle, including incident, change, and problem management.  

• Proactively monitor systems, respond swiftly to incidents, and work to resolve underlying problems to prevent future occurrences, ensuring minimal service disruption and maximum uptime. 

• Providing 24 x 7 rostered on-call support where required by management. 

• Providing expertise and input into operational design and process. 

• Ensuring appropriate user access and service requests actioned to agreed standards. 

• Maintaining and update documentation related to configuration, processes, and best practices.  

• Contributing to the organisation’s mission of delivering resilient, high-performing technology services to its customers, while embracing the DevOps philosophy of continuous improvement and agility. 

We are looking for a Cyber Threat Detection & Response Analyst to identify, analyse and respond to cybersecurity threats that may impact Cuscal.

What is this role about?

As the Cyber Threat Detection & Response Analyst, you will play a critical part in safeguarding Cuscal’s digital assets and ensuring the resilience of its systems against cyberattacks. The analyst will utilize advanced threat detection techniques and tools to detect, investigate, and mitigate potential security incidents, collaborating closely with internal teams and external stakeholders to provide timely responses to emerging threats.

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

• Monitor security alerts and events generated from multiple sources, including Security Information and Event Management (SIEM) systems, Endpoint Detection and Response (EDR) tools, and other detection technologies.
• Conduct proactive threat hunting activities to identify suspicious activity within the environment.
• Analyse network traffic and system logs to identify patterns, trends, and potential threats.
• Develop custom detection rules, use cases, and threat models based on current threat intelligence and organizational needs.
• Respond to security incidents by conducting thorough investigations and coordinating with relevant teams for remediation.
• Provide containment, eradication, and recovery actions to minimize the impact of security incidents.
• Utilize threat intelligence feeds to stay updated on the latest attack techniques, tactics, and procedures (TTPs) used by threat actors.
• Analyse the relevance and impact of threat intelligence on the organization's environment and recommend preventive measures.

We are looking for a Software Engineer to join our Data Domain.

As a member of our Data Services team, you’ll be responsible for developing, maintaining, and supporting data products leveraging all data available within Cuscal to create new value for our clients. This includes analysis, design, build, test, and documenting solutions according to approved current standards and best practice methodology.

In this role you will be responsible for:

• Preparing technical specifications and low-level design documents to meet user requirements and functional specifications.
• Designing and developing applications on Cuscal’s AWS platform using serverless and container services
• Implementing CI/CD pipelines and utilising IaC tools for provisioning cloud resources in AWS
• Analysing, designing, developing, and testing software solutions that meet user requirements according to approved IT standards and best practice methodology.
• Adhering to architecture, design, implementation, and security standards and best practices.
• Developing reusable software building blocks to enable faster delivery.
• Writing high-quality code that satisfies customer needs and follows the endorsed coding standards.

We are looking for a Financial Systems Analyst to join our Finance, Data and Strategic Initiatives function, to support the delivery of key initiatives as part of the on-going development of the finance function and help to maintain the operating effectiveness of assigned finance systems and reports to ensure they are fit for purpose.

What is this role about?

In this newly created role, you will work within a dynamic finance team at the forefront of driving change, uplifting and integrating finance systems to facilitate robust and reliable insight and analysis. support the development and maintenance of a robust control environment over finance systems and associated processes.

Here's more of what you’ll work on:

• Support the enhancement and maintenance of a robust control environment over finance systems and associated processes with a focus on simplification, standardisation and automation.
• Perform Finance System administration activities for allocated Finance Systems.
• Maintain accurate records of Finance systems and configurations, as well as related policies and procedures.
• Ensure compliance with relevant laws, regulations, and organizational policies. Respond to audit queries on a timely basis.
• Participating in risk management awareness sessions and forums as required.

We are looking for a Planning Analytics Developer to join our Finance function to help us accelerate the enhancement of financial reporting capabilities.

What is this role about?

In this newly created role, you will work within a dynamic finance team at the forefront of driving change, uplifiting our finance systems. You will develop Cuscal’s IBM Planning Analytics environment, including new projects and initiatives, ensuring system optimisation and availability. You’ll support and maintain existing IBM Planning Analytics models, (including changes & enhancements) and development, testing, implementation and change management of new functionality.
Here's more of what you’ll work on:

• Provide technical guidance regarding the IBM Planning Analytics environment development roadmap for Finance.
• Responsible for ongoing IBM Planning Analytics development to meet reporting requirements (including self-service/web reporting).
• Supporting the development and maintenance of relevant budgeting and rolling forecast processes in IBM Planning Analytics.
• Upskilling and training wider team on IBM Planning Analytics.
• Development of end user training guides and standard operating procedures.
• Provide technical support, training and guidance to end-users and other staff.
• Collaborate with Enterprise Technology Solutions to ensure we are up to date with their latest requirements.

Cuscal – where curiosity and expertise are rewarded. 

Be part of a smaller team taking on a bigger role – a role where your curiosity, your energy, your ambition is rewarded. You’ll grow with us in an unconventional way where sideways develops you as much as up; where voices are heard and ideas are tested, and new things are created in fast-paced and efficient ways. Where your expertise and excellence are seen and valued. 

What is this role about?

This role supports the Finance Business Manager and our Product Team by providing quality financial advice, modelling, reporting, budgeting, forecasting and other financial functions to enable our teams to build innovative technology solutions for our clients. 
  
The responsibilities in this role include:

Monthly Reporting:

• Responsible for full end to end (E2E) accounting for all strategic projects.
• Steering committee reporting packs for all strategic projects.
• Presentation of project financial reporting to steering committee members as required.
• Benefit realisation reporting for all strategic projects on a monthly basis.
• Preparing and posting project journals as required.

Forecasting & Budgeting:

• Prepare and maintain project budget / forecast models as required
• Analysis of inputs, particularly transaction drivers (or similar)
• Prepare reporting on budget / forecast submissions, including performance against target and variance analysis
• Monthly reforecasting for strategic projects, both cost and benefits.

Decision Support:

• Assistance with preparation of Project Evaluation Models, Project Business Cases and other governance artefacts as required for strategic projects and other projects as required.
• Build and maintain financial models.
• Analysis and review of project forecasts and assisting Project Managers with financial analysis of projects.
• Benefit and contract review for application of accounting standards.
• Other ad-hoc financial analytical activities as required.
• Assisting Project Managers and other Project community members with preparation of financial summaries for inclusion in business cases and other project documentation as required.

What can you bring?

This role requires the successful candidate to have strong analytical skills and be able to interpret and evaluate data.  You will also bring your strong financial modelling skills to the role along with your ability to understand business objectives and drivers and how they translate into financial measure.
  
As the successful candidate you will have experience working in a commercial environment and previous experience working on projects. This role is a very visible one within Cuscal so you will get the opportunity to present to and work with key stakeholders. 
  
A relevant university degree will be essential with at least 4 years’ commercial experience and an understanding of resource costing methodologies will be highly regarded.            

Although not required, any experience with FTE reporting or product control treasury is highly desirable. 

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 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 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 Payment 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 Financial Crimes Data Analyst to join our Financial Crime Team.  

As payment methods evolve, so too do the efforts of criminals in their attempts to defraud businesses and consumers.  From sophisticated online scams to identity theft and phishing. We’re looking for a Financial Crimes Data Analyst  to champion data-driven insights for the financial crimes domain, leveraging high volumes of data and storytelling expertise to support risk mitigation strategies.   

About the Role: 

• Provide data visualisation expertise using Power BI, including data modelling.  

• Drive the implementation and validation of new and emerging data sets, including the validation of proficiency of AI and Machine learning models.  

• Provide insights to management and stakeholders, such as current fraud typologies and trends to support client and internal engagement activities.     

• Represent financial crime analytics while partnering with Data Engineers and stakeholders regarding data requirements.   

• Validate fraud controls implemented by clients to ensure adherence to the Cuscal Fraud Management Program.   

• Document, deliver and refine process and procedures to create accurate and efficient insights.  

• Conduct merchant reviews for onboarding requests and ongoing risk monitoring, partnering with our clients to assess fraud and scam risks in clients onboarding their customers.   

About You: 

• Tertiary qualification in data analytics, financial crime or criminology  

• Advanced knowledge of Data visualisation tools such as Power BI   

• Proven experience in Databricks and SQL  

• Demonstrated Experience making recommendations through data driven insights 

• Experience using fraud detection systems, including rule writing  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. 

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 Payment 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 Fraud Analyst to join our Financial Crime Team.  
As payment methods evolve, so too do the efforts of criminals in their attempts to defraud businesses and consumers.  From sophisticated online scams to identity theft and phishing. We’re looking for a Fraud Analyst who can protect our clients by analysing multiple data sets to prevent high-risk, fraudulent activity and emerging threats across payments and digital banking channels 

About the Role: 

• Proactive analysis of multiple data sets to prevent high-risk and fraudulent activity and emerging threats across multiple channels, including cards, 3D secure, digital wallets, real-time payments, digital, account-to-account payments (BPay and Direct entry) and PayTo.  

• Detection of fraudulent activities at the earliest opportunity, deploying fast and effective fraud rule mitigants. 

• Utilise network analysis and investigative techniques to understand, detect and mitigate money mule activity.    

• Use transactional analysis to conduct merchant reviews and ongoing risk monitoring, partnering with our clients to assess fraud and scam risks.   

• Conduct trend analysis across the fraud detection systems and realign detection capabilities with various structured and unstructured data.   

• Provide insights to management and client advisory roles, such as current fraud typologies and trends to support client and internal engagement activities. 

About You: 

• Tertiary qualification in data analytics, financial crime or criminology  

• Advanced knowledge of Data visualisation tools such as Power BI    

• Proven experience in Databricks and SQL  

• Demonstrated Experience making recommendations through data driven insights  

• Experience using fraud detection systems, including rule writing  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. 

We are looking for a Software Engineer to join our Issuing domain.  

As a member of our Platform Delivery team, you’ll be responsible for developing, maintaining, and supporting applications and systems that support the business needs of the customer.

This includes analysis, design, build, test, and documenting solutions according to approved current standards and best practice methodology

In this role you will be responsible for:

• Preparing technical specifications and program design documents to meet user requirements and functional specifications.
• Performing analysis to support application and system design
• Analysing, designing, developing and testing software solutions that meet user requirements according to approved IT standards and best practice methodology.
• Adhering to architecture, design, implementation, and security standards and best practices.
• Developing reusable software building blocks to enable faster delivery.