Total 19 job vacancies by Cuscal

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. 

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. 

What is this role about?

The P&C Business Partner works directly with the business & the Senior Business Partner to implement the execution of the people agenda and strategy, the annual calendar of HR related activities.
This role has a blend of strategic and tactical responsibilities such as:

• Supporting a client group/s which will include end to end P&C support and sound guidance and advice. Provide one to one coaching to develop leadership capability, employee matters and performance management issues
• Tactical BAU activities across the organisation such as case management, workers’ compensation and performance coaching, learning and development and talent management
• Provide coaching to managers on employee matters and performance management issues
• Help drive consistency in employee experience and engagement. By supporting the Senior Business Partner in analysing data to identify pressure points
• Support the Senior HR Business Partner to execute cyclical activities relating to performance management, coaching, create data insights on people data, organisational development, workforce planning and learning & development.
• Lead/ be involved in P&C projects to continue to drive P&C’s value add and impact across Cuscal, undertake learning needs analysis and building learning pathways and journeys that align with the business needs.
• Provide advice and guidance to employees and leaders on P&C policies and procedures in employment conditions, industrial relations, wage, salary and benefit administration, Occupational Health & Safety, Superannuation and employee services.
• Revising and updating P&C Policies and procedures in line with changes to legislation and best practice.

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 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; 

This role supports the Finance Business Manager in our Issuing Product Domain by providing quality financial advice, modelling, reporting, budgeting, forecasting and other financial functions to support all key strategic projects across Cuscal. 
   
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. 

   
About You 
In this role within our Project space the 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.             
   
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! 

At Cuscal, you’ll find a strong, successful company that’s reimagining the future and our Group Risk and Compliance team is right there at the heart of it all. Here, you’ll deliver or support interesting, ground-breaking projects that have real impact - on Australia’s financial services sector and the millions of customers it serves. You’ll innovate alongside skilled, smart, connected teams. And you’ll build an impressive, fulfilling career that continues to grow. As the largest independent payment solution providers, we’ve set the standard for over 50 years. Now, we’re preparing to pioneer the next 50. 

We are looking for a Governance and Regulatory Affairs Lead.  

The Governance and Regulatory Affairs Lead will actively drive robust governance to enable the Risk Management Framework and Strategy (RMFS) and manage industry body and regulatory engagements in accordance with internal protocols. 

This is a highly visible role in the business and will be responsible for the delivery of core enablers including governance, risk culture, and industry body and regulatory engagements. The responsibilities of the role include:  

• Developing and implementing the Regulator Engagement Policy and regulator engagement strategy, applying strong practices for regulatory and industry liaison to foster positive government and industry relations and relationships.   

• Applying the emerging risk management framework including internal and external environmental scanning and coordinate risk management activities to enable effective management of emerging risks. 

• Build and lead internal community to facilitate consultation, feedback and knowledge sharing on matters relating to policy setting and reviews, regulatory change and emerging risks.  

• Interacting with regulators and industry bodies and ensuring all interactions meet policy standards with accurate and timely record keeping.  

• Escalating material and high risk regulator interactions via the appropriate governance channels.  

• Leading the regulatory change protocol to ensure adequate identification, assessment and management of industry and regulatory changes and trends. 

• Producing quality, concise and accurate risk and compliance reporting using risk data and insights to management, committees and the Board.  

• Providing input to assessment on regulatory matters including breaches and attestations and preparing timely reporting and notification to relevant industry bodies and/or regulators. 

• Assisting with the review and completion of FAR reasonable step assessments and co-ordinating regulatory notifications, as appropriate.  

• Providing effective challenge as part of participation in the decision-making process, ensuring that material decisions are risk based, and risk frameworks support effective decision making. 

• Actively participating and supporting the planning and delivery of risk initiatives and transformations. 

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

• Relevant Tertiary qualification in a related discipline (e.g. law, finance, business, audit)    

• Demonstrated experience in compliance management within the finance and banking industry. 

• Demonstrated experience in governance and risk management roles, in the financial services sector, and a sound knowledge of APRA prudential standards.  

• Experience with engagement with external parties, regulators and industry forums. 

• Demonstrated experience in risk governance and risk reporting.  

• Ability to work with a high degree of autonomy and be able to demonstrate sound judgment. 

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

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. 

For a winning team that is evolving.  Forward with Cuscal. 

At Cuscal, you’ll find a strong, successful company that’s reimagining the future. And our team is right there at the heart of it all. Here, you’ll deliver or support interesting, ground-breaking projects that have real impact - on Australia’s financial services sector and the millions of customers it serves. You’ll innovate alongside skilled, smart, connected teams. And you’ll build an impressive, fulfilling career that continues to grow. As the largest independent payment solution providers, we’ve set the standard for over 50 years. Now, we’re preparing to pioneer the next 50. 

We are looking for a Pre-Sales Solutions Consultant to join our Business Development Team  

The Pre-Sales Solution Consultant is a client facing role focused on supporting clients in the pre-contract phase. The role is responsible for working across the Client engagement journey from pre-sales through to delivery, setting Cuscal and Clients up for success. You will:

1) Lead Pre-Sales and Discovery 

• Promote a basic understanding of Cuscal’s standard products, key benefits, market obligations, enablement activities, and business-as-usual activities  

• Conduct presentations and lead discovery sessions with clients (including prospective clients) to ensure that client needs and relevant constraints are fully understood and documented 

• Identify opportunities for sale of further Cuscal products that meet client needs and deepen relationships.    

• Document the gaps between the client needs and Cuscal’s standard solutions to enable effective roadmap, feasibility and estimation discussions 

2) Solution Design & Documentation 

• Capture a clear scope of work, deliverables, acceptance criteria, assumptions, and costs in Cuscal’s standard format for Statements of Work    

• Document, analyse and communicate challenges and solution options that address the Client needs 

• Contribute to the development of adaptable and/or re-usable materials to communicate high level functional solutions for client engagements as part of the sales process 

• Identify potential delivery risks as well as potential mitigation strategies 

3) Solution Delivery Support 

• Provide a detailed handover to the delivery team at commencement of the implementation   

• Act as a point of escalation for internal stakeholders and the client throughout the implementation process for supporting project teams.  

• Lead and/or contribute to knowledge management and continuous improvement activities 

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

• Passionate about enabling excellent client outcomes.    

• Tertiary qualifications in Information Technology, commerce, finance or related subjects is desirable   

• Outstanding verbal, written and presentation skills, with the ability to build effective customer relationships 

• Strong industry knowledge of payments ecosystems, and/or strong understanding of Cuscal’s product and technology solutions  

• Experience in pre-sales/solutions consulting, professional services, or sales role, working collaboratively with Sales Teams, understanding the full sales life cycle & processes  

• Excellent business process and/or project experience using tools such as Visio, Jira, PowerPoint    

• Enterprise-level business project experience, with strong process analysis, design and documentation 

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 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

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)