Head of Risks & Internal Control F​/H

Risk Management and Internal Control Framework Director

In 2013, we launched the Lydia app, a very popular peer-to-peer payment and online savings service, with one goal in mind: to make everything easy, fast, and secure to pay directly from your phone.

With the same commitment to simplicity, Lydia Solutions launched Sumeria in 2024. Sumeria offers a range of online banking services for individuals.

Manage and strengthen continuously the risk management framework (RMF) and internal control framework (ICF) of Lydia Solutions, ensuring effective second line of defense oversight, solid governance, and high-quality regulatory and management reports.

• Define annual priorities and roadmap for risks and internal control (risk mapping cycle, control plan, key deliverables);

• Prepare and present risk and internal control issues to governance bodies (risk committee and general management), including key messages, escalations, and decision proposals;

• Maintain strong partnerships with business line heads (LOD1) and support functions (Finance, Legal, HR, Technology) to foster pragmatic risk reduction and control maturity.

• Master risk taxonomy, risk mapping, and RCSA methodology; ensure consistency in assessments and challenge results where necessary;

• Ensure KRI and relevant thresholds are defined, monitored, and reported in case of exceedance;

• Lead processes for risk identification, assessment, treatment, and acceptance, including documentation and traceability.

• Manage and maintain the level 2 internal control plan (scope, sampling principles, test standards, control documentation requirements);

• Ensure effective execution of level 2 controls (LOD2) across key processes; review findings and validate escalations and remediation plans;

• Promote continuous improvement of level 1 control documentation and operational procedures.

• Supervise the follow-up of corrective actions for findings from controls, incidents, audits, and regulatory reviews; ensure records are closed in a timely manner with evidence;

• Ensure proper follow-up of incidents and retrospective analyses where applicable, and ensure corrective actions are implemented and retained;

• Serve as the main point of contact for auditors/regulators on RMF/ICF issues; ensure audit trails and supporting documentation are always available.

• Manage and develop the Risk and Internal Control team (prioritization of tasks, support, quality standards, recruitment, and integration);

• Promote a strong risk culture and high-quality documentation across the organization.

• A minimum of 8 years of experience in risk management/internal control/audit within regulated financial services (bank, payments, EMI, fintech) and/or in high-level consulting;

• Proven experience in leading a second line of defense function and in interacting with high-level stakeholders and governance bodies;

• Strong understanding of internal control frameworks, RCSA/risk mapping analysis, and permanent control methodologies;

• Comfortable in a constantly evolving technological environment (data-driven operations, automation, complex systems), with the ability to understand new products/technology stacks at a high level and adapt risk/control approaches accordingly;

• Strong practical knowledge of AI tools and systems, with a proven willingness to integrate them into daily workflows to improve quality, efficiency, and decision-making;

• Excellent written and verbal communication skills in French and English.

• Direct knowledge of ACPR/BCE (or equivalent European regulators) expectations and the development/defense of regulatory deliverables;

• Experience in leading cross-functional remediation programs and establishing governance routines (committees, dashboards, management reports).

• Preliminary phone interview with the recruitment service;

• Case study/practical exercise;

• Interview with the Risk and Control team;

• Interview with members of the general management;

• Final interview with key stakeholders.

Diversity, equity, and inclusion are key values for the well-being and performance of teams. They are integral to our culture, identity, and collective success. Our premises are accessible to people with reduced mobility, and we do everything we can to ensure an adapted work environment for everyone. If you need any specific accommodation to participate in the recruitment process, please let us know.

At Lydia Solutions, we are proud to guarantee equal opportunities, without distinction based on age, ethnic origin, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, physical characteristics (height, weight, etc.),…