# Risk - Payments SME

> Capitex · Dubai, United Arab Emirates · Contract · Posted 2025-09-30

**Workplace:** on_site

## Description

### Risk & Payments SME (Contractual)

**Location:** United Arab Emirates  
**Type:** Contractual Position

### Role Overview

We are seeking an experienced **Risk & Payments Subject Matter Expert (SME)** to lead and support risk-based supervision activities for payment system operators. The role will focus on identifying, assessing, and mitigating operational, settlement, and systemic risks. As a technical advisor, the SME will contribute to policy formulation and the development of frameworks for oversight of both major and emerging payment infrastructures.

Key Responsibilities

-   Design and implement **risk-based supervisory frameworks** for payment system operators, including real-time gross settlement (RTGS), retail payment systems, and digital payment platforms.
-   Develop comprehensive **risk assessment methodologies**, identifying and monitoring operational, settlement, and business risks that could impact system stability.
-   Prepare and maintain **risk registers** and contribute to scenario analyses for settlement failures, cyber incidents, and operational disruptions.
-   Review compliance with **international standards** and recommend best practices in operational resilience, business continuity, data security, and consumer protection.
-   Develop frameworks and SOPs for **on-site and off-site supervisory reviews**, including management interviews, technical assessments, and reporting of findings, KPIs, and supervisory concerns to oversight committees.
-   Collaborate with supervisory colleagues to ensure a **consistent and proportionate approach** to risk-based supervision, especially for systemically important operators.
-   Provide **technical advice** on regulatory developments, international standards (e.g., CPMI-IOSCO Principles for Financial Market Infrastructures), and industry best practices.

Skills and Qualifications

-   Advanced understanding of **payment systems**, risk-based supervision methodologies, and regulatory frameworks.
-   Strong knowledge of **PFMI principles**, including self-assessment, gap analysis, and compliance roadmaps.
-   Proven experience with **risk assessment techniques**, risk registers, and scenario-based supervision.
-   In-depth knowledge of **operational resilience requirements**, including business continuity, disaster recovery, and information security controls.
-   Strong analytical skills in assessing payment system operations, governance structures, and financial stability linkages.
-   Excellent **communication and stakeholder management** skills, with experience advising senior management and regulatory authorities.

## Apply

[Apply at Capitex](https://apply.workable.com/capitex/j/878327155E/apply)

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