About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers.

About the Role

As an Associate Director in the Payments and Cash Management (PCM) Non-Financial Risk (NFR) team, you will provide trusted first-line risk advice and constructive challenge across Transaction Banking’s Payments and Cash Management products and services.

You will partner with Product, Sales, Implementation, Operations, Technology, Digital Delivery and Control Functions to ensure Non-Financial risks are identified, assessed, managed, monitored and reported within appetite. Your coverage will include domestic and cross-border payments, liquidity and cash management solutions, receivables and payables, virtual accounts, client connectivity and related transaction banking capabilities.

You will lead and deliver risk activities across the end-to-end product and platform lifecycle, including product and technology change, control assurance, incident and issue management, regulatory readiness and governance. You will translate complex risk matters into clear, practical and commercially balanced advice, escalating material concerns to senior leaders and relevant governance forums.

Role location: Melbourne, Sydney or Brisbane

Role Type: Permanent, full time

What will your day look like?

As a n Associate Director in the Payments and Cash Management, you will:

• Provide independent, practical Non-Financial Risk advice across Payments and Cash Management products, client solutions, and strategic change initiatives.
• Lead the identification, assessment, monitoring and reporting of material Non-Financial Risks, including operational, compliance, technology, cyber, data, fraud, financial crime, third-party, conduct and resilience risks.
• Provide constructive challenge on end-to-end product risk profiles, risk assessments, control effectiveness, operational readiness and risk-in-change, driving uplift in controls, risk indicators, assurance activities and management information.
• Lead risk input for new products, product enhancements, and regulatory or strategic programs, ensuring effective risk consideration and operational readiness.
• Prepare clear risk insights, governance papers and recommendations for senior stakeholders, risk committees and business forums.
• Partner with key stakeholders across Product, Operations, Technology, Compliance, Legal, Financial Crime, Risk and Audit to support sustainable risk outcomes, strong first-line ownership and a regulator-ready control environment.
• Contribute to the ongoing uplift of Transaction Banking risk frameworks, governance, controls and risk capability across the PCM portfolio.

What will you bring?

To grow and be successful in this role, you will ideally bring the following:

• Significant experience in financial services with expertise in Non-Financial Risk, operational risk, controls, governance, compliance or a related discipline.
• Strong knowledge of Transaction Banking, Payments and Cash Management products, operating models, client journeys and the end-to-end product lifecycle.
• Demonstrated experience leading risk assessments, control reviews, issue and incident management, risk reporting and risk-in-change activities, including support for new products, platform changes and complex change initiatives.
• Sound understanding of key Payments and Cash Management risks, including operational, compliance, technology, cyber, data, fraud, financial crime, third-party, conduct and resilience risks.
• Strong analytical and problem-solving skills, with the ability to identify emerging risk themes, exercise sound judgement and translate complex information into practical recommendations.
• Excellent stakeholder management, influencing and communication skills, with the ability to provide credible advice, constructive challenge and clear governance reporting to senior stakeholders.
• Proactive and collaborative approach with a commitment to strong risk culture, continuous improvement and sustainable customer and business outcomes
• Tertiary or professional qualifications in risk, finance, commerce, law, business or a related discipline are desirable.

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

So why join us?

From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.

But it's not just our customers who'll feel your impact. You'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.

We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.

At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you're a candidate with a disability or access requirement, and have an enquiry about the support provided, please let us know on your application or visit ANZ Accessibility and Inclusion Programs for alternate contact methods.

To find out more about working at ANZ, visit https://www.anz.com.au/careers. You can apply for this role by visiting ANZ Careers and searching for reference number 124057.
 

Job Posting End Date

04/10/2026, 11.59pm, (Melbourne Australia)