Job description
Some careers open more doors than others!
If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a role that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.
As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.
Our Risk and Compliance function has a critical role to play in supporting, challenging, and advising across all areas of the business through establishing policy, monitoring profiles, and identifying and managing forward-looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organization, and the integrity of the financial markets in which we operate. Already an industry-leader in many respects, we want to continue setting standards and evolving to respond to strategic changes.
We are currently seeking an experienced individual to join this Global Enterprise Risk Management (ERM) team in the role of Payments Risk Steward. As the Payments Risk Steward, you will be responsible for overseeing the management of risks associated with the organization's payments operations, including both domestic and international transactions across various channels (ACH, wire, card, digital, and mobile payments).
Global Enterprise Risk Management (ERM) is a sub function of Group Risk and Compliance. Its purpose is to make sure HSBC understands and effectively controls its non-financial risk position, through end-to-end oversight of processes, risks, and controls and by robust stewardship of the bank's risk appetite to comply with risk, business and regulatory priorities. It seeks to strengthen the risk culture across the organisation through the application of effective policies and frameworks that drive consistent risk management practices across our businesses and functions at global, regional and market level.
In this role, you will:
• Oversee the risk management framework for payments, ensuring alignment with the organization’s risk appetite and regulatory requirements. You will Identify and assess risks across all payment channels (ACH, wire transfers, card, digital payments) and develop mitigation strategies.
• Perform thematic reviews to enhance risk management policies, procedures, and controls to address new risks, technology developments, and regulatory changes.
• Ensure payment systems are safeguarded by reviewing and overseeing robust cybersecurity measures and collaborating with IT and security teams.
• Ensure that all payments-related activities comply with relevant laws and regulations, including AML, PCI-DSS, PSD2, OFAC, and other industry standards and work with compliance and legal teams to stay informed about regulatory changes and ensure that payment operations meet all legal obligations.
• Oversee and review the Banks response to payment-related incidents, including system outages, transaction errors, or security breaches. You will also conduct post-incident reviews to determine root causes, implement corrective actions, and ensure that preventive measures are in place.
Requirements
To be successful in this role you should meet the following requirements:
• Proven experience with payment systems, payment processing, and regulatory compliance frameworks (e.g., AML, PCI-DSS).
• In-depth knowledge of payment systems, including ACH, wire, card networks, and digital payments.
• Expertise in payments risk management, fraud detection, and prevention techniques.
• Strong understanding of regulatory requirements related to payments, including AML, PCI-DSS, and PSD2.
• Excellent leadership, team management, and project management skills.
• Strong analytical and problem-solving abilities, with experience in incident management and risk analysis.
• Exceptional communication and interpersonal skills, with the ability to engage and influence stakeholders at all levels.
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The base location for this role is Birmingham/Sheffield/Edinburgh and with a hybrid working pattern.
You’ll achieve more when you join HSBC.
Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.
We take pride in being part of the Disability Confident Scheme. This helps make sure you can be interviewed fairly if you have a disability, long term health condition, or are neurodiverse.
If you’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:
Email: hsbc.recruitment@hsbc.com
Telephone: +44 207 832 8500.