Role Description This consultancy adapts UNICEF’s AI Risk Assessment Framework into an operational approach that supports early, expert-led assessment of the PHIT AI Diagnostic and Treatment App, while evolving into a tool for national health officials. The assignment facilitates timely, risk-informed decisions to accelerate the application's design, procurement, and implementation, while strengthening government capacity through tool development and training. By separating framework application from tool creation, the consultancy balances time-sensitive programme needs with long-term goals of institutionalization, sustainability, and alignment with international AI governance standards. The consultancy will be delivered over approximately 20 weeks and structured across four phases. It combines framework adaptation, application to the PHIT priority use case, and capacity building with government stakeholders. The assignment will follow a dual-track (two-stream) implementation approach, with two complementary workstreams running in parallel: - Workstream 1 (Priority application): Focuses on the early application of an adapted AI Risk Assessment Framework to assess the PHIT AI Diagnostic and Treatment App, generating immediate risk insights to inform design, procurement, and development decisions. - Workstream 2 (System development): Focuses on developing, validating, and institutionalising a user-friendly AI Risk Assessment Tool and governance framework for long-term government use. These workstreams run concurrently and are closely coordinated, with defined points of convergence across four phases: - Phase 1: Establishes a shared interim framework through co-design, regulatory review, and gap analysis. - Phase 2: Prioritises initial risk assessment of the PHIT application (Workstream 1), while initiating testing and validation of the framework and tool with government users (Workstream 2). - Phase 3: Integrates findings from both workstreams into comprehensive risk mitigation and governance guidance. - Phase 4: Finalises the unified framework, tool, and implementation package, and support capacity building and institutionalisation. Qualifications - Masters in artificial intelligence, data science, computer science, public health, health informatics, or a related field. - Additional qualifications or demonstrated expertise in digital governance, risk management, or regulatory frameworks for health technologies is highly desirable. Requirements - A minimum of 5 years of professional experience in AI governance, digital health governance, technology risk assessment or related fields. - Experience working in the health sector, preferably in public health or health systems contexts. - Experience engaging with senior government counterparts and facilitating co-designing processes, including capacity building and systems strengthening. - Fluency in English. Benefits - UNICEF’s Core Values of Care, Respect, Integrity, Trust and Accountability and Sustainability (CRITAS) underpin everything we do and how we do it. - UNICEF promotes and advocates for the protection of the rights of every child, everywhere, in everything it does. - UNICEF encourages applications from all qualified candidates, regardless of gender, nationality, religious or ethnic backgrounds, and from people with disabilities, including neurodivergence. - Reasonable accommodation for persons with disabilities throughout the recruitment process.

• Manage day-to-day operations of the Onboarding Risk team • Manage, coach, and develop team members • Provide expert support on complex or high-risk applications • Own onboarding risk procedures and continuously improve processes • Build strong relationships across Risk and with key stakeholders • Oversee and strengthen onboarding risk management • Collaborate with Legal, Support and Product teams to improve Risk & Compliance

Role Description Designs, implements and manages customized AML/BSA and OFAC risk monitoring programs for complex customer types designated as Special Risk to include Merchant Acquiring Independent Sales Organizations (ISOs), Payment Facilitators (PayFac), Third Party Payment Processors (TPPPs), and Money Service Businesses (MSBs). Partners and collaborates with the line of business to define risk mitigation requirements and controls, performs onsite reviews, and participates in executive risk committees. Monitors the regulatory and legal requirements for higher risk verticals (online gaming/gambling, digital assets, money services). Works on and manages a variety of high-profile AML/BSA program initiatives to include the BSA enterprise risk assessment. Communicates and presents information to senior management regularly. Job Duties and Responsibilities - Manages activities involving enhanced due diligence of new and/or potential ISO, PayFac, TPPPs, and MSBs to mitigate risk exposure for the Bank. - Serves as the central point of contact for line-of-business and all Special Risk customer related matters. - Develops AML BSA guidelines for merchant ISO business and respective policies and procedures. - Applies knowledge of assigned specialty risk areas to due diligence and oversight of customers. - Conducts site visits of existing and potential customers in conjunction with the line of business. - Manages the collection, review and approval of all documentation required to ensure appropriate risk mitigation and sound regulatory compliance. - Manages all Requests for Information (RFI) related to customer types. - Applies knowledge of bankcard payment operator network rules, standards, and practices, with regard to acquirer due diligence. - Provides guidance and responds to daily inquiries from peers and the first line of defense regarding new or changing regulations impacting the bank. - Works directly with the line of business and clients to conduct and complete BSA related reviews and testing of controls. - Creates formalized reporting of test results and recommendations regarding remediation. - Prepares key points for management pertaining to Special Risk customers that pose heightened risk to the Bank. - Provides ongoing training to the line of business. - Assists management with independent reviews and federal examinations. - Interacts with auditors/examiners as it relates to Special Risk relationships, control testing and the risk assessment. - Designs, generates and completes management reports as assigned. - Works with management to implement new initiatives and improve current processes. - Assists with special projects as requested. - Assists Senior Management with creating best in class risk and control testing for integration into the risk assessment. - Attends AML/BSA training seminars as assigned. - Maintains awareness of regulatory and legislative developments and industry trends. - Operates in full compliance with internal policies and procedures as well as applicable regulations and laws. - Adheres to confidentiality policy, code of ethics and follows all policies and procedures relative to Compliance laws and regulations and best practices. - Each team member is expected to be aware of risk within their functional area. - Performs other related duties as required. Qualifications - Minimum Education: Bachelor's degree or an equivalent combination of education and experience. - Minimum Experience: Six (6) plus years of job-related experience with emphasis on BSA Compliance, enhanced due diligence, risk assessments, regulatory compliance, and risk policy/procedures as it relates to merchant ISOs and Third Party Payment Processors. Requirements - Strong knowledge of merchant acquiring business and BSA/AML/OFAC compliance through previous work experience. - Strong knowledge of regulations and regulatory bodies applicable to BSA/AML/OFAC and merchant/card services. - Strong knowledge of potential high-risk verticals within ISO merchants (gambling and gaming). - Strong knowledge of card network rules applicable to merchant acquiring. - Strong knowledge of risk and control testing and risk assessments. - Excellent judgment and ability to handle issue resolution in a professional and consistent manner. - Ability to confidently facilitate team discussions and communicate business messages. - Strong listening skills and a positive communicator. - Skill in writing reports, white papers and business correspondence. - Proficiency using applicable programs, systems, and databases required to assess risk and controls. - Proficiency using Microsoft Office software products.

Role Description We're looking for a Head of Prudential Risk , which is a key role for Finance and the broader Monzo business. The role is responsible for leading the planning and production of our key prudential deliverables and ensuring Financial Risk continues to be managed within risk appetite across the group. As such, this is a senior finance role that will have impact across multiple collectives and disciplines. - Own the annual group ICAAP process ensuring timely delivery aligned to internal and external requirements. - Own the annual review of our recovery plan, ensuring alignment with regulatory requirements. - Ensure compliance with Resolution Assessment Framework (RAF) requirements. - Support capital planning activities, risk appetite setting, and lead ALCO reporting and KRI maintenance for Financial Risk. - Understand the impact of future prudential regulatory change and work with relevant teams to adapt. - Support the broader financial risk team with the delivery of wider objectives. - Lead a team of high performing colleagues, supporting their individual development needs. Qualifications - Proven prudential regulatory experience at a bank, consultancy, or regulatory body. - Relevant professional qualification. - Detailed knowledge/experience of relevant regulatory requirements. - Comfortable with understanding financial projections and analysis techniques. - Ability to coordinate, participate, and lead projects for regulatory deliverables. - Interest in identifying relevant data and understanding its impact on the bank. - Able to work independently and proactively in a dynamic environment. - Experience building strong relationships with stakeholders at all levels. - Strong written and verbal communication skills. Requirements - Ability to independently interpret a range of regulations and manage projects to implement them. - Ability to lead a high performing team and work effectively across all levels of the organization. - Ability to deliver important and challenging messages across the Finance collective and to senior leaders. Benefits - Salary: £121,000 - 140,000 (depending on experience) + incentive awards tied to performance. - Flexible working hours and remote working options within the UK. - £1,000 learning budget each year for books, training courses, and conferences. - Support for work-from-home setup, including Macbooks for all employees. - Additional benefits available.