Risk & Compliance Manager

Who is Plenti?  Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets. We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 250 people based in Australia, Plenti is of a size where everyone can make a difference in their role and help us realise our very big ambitions as a team, as we go about building Australia’s best lender. Plenti is a founder led business that launched in 2014, listed on the ASX since 2020 with annual revenue of over $250 million and a loan portfolio of over $3 billion. About the role:  As a Risk & Compliance Manager, you will play a key role in delivering Plenti’s Risk and Compliance Program. You will bridge regulatory compliance and operational risk, ensuring effective frameworks, controls, and guardrails are in place to support sustainable growth. Leveraging your expertise across AML/CTF, credit licensing, Privacy, and operational risk, you will provide trusted guidance to the business and partner closely with Senior Management to drive strong risk awareness and accountability.  Key responsibilities:  Develop, implement, and maintain risk and compliance frameworks, policies, procedures, and internal controls in line with regulatory requirements Conduct risk assessments, control testing, and maintain risk registers to identify gaps, monitor operational risks, and drive remediation with business stakeholders Lead root cause analysis of operational incidents and ensure corrective actions are implemented and tracked through to completion Prepare and deliver risk and compliance reporting to Senior Management, providing clear visibility of control effectiveness, obligations, and incidents Monitor and interpret regulatory changes, assessing business impact and advising on required actions across the business Ensure compliance across customer communications, marketing materials, website content, and Target Market Determinations (TMDs) Maintain and enhance the AML/CTF program in line with AUSTRAC requirements, including oversight of CDD, EDD, ongoing monitoring, and regulatory reporting (SMRs and TTRs) Conduct AML/CTF risk assessments and strengthen associated controls on an ongoing basis Design and deliver compliance training to uplift awareness and capability across the organisation   About you:  In this role, you bring hands-on experience in risk and compliance within a regulated environment, underpinned by a strong understanding of Australian regulatory frameworks. You confidently apply risk methodologies in practice, assess and strengthen controls, and partner with stakeholders across the business to embed effective and pragmatic risk outcomes that support both compliance and growth.  Bachelor’s degree in Business, Finance, Law, Risk Management, or a related field Proven experience working within a banking or financial services organisation Demonstrated experience in organisations holding an Australian Credit Licenceand/or Australian Financial Services Licence is highly regarded but not essential  Proven risk management and compliance expertise within the Australian lending environment, including hands-on experience implementing and monitoring NCCP, AML/CTF, Privacy, and operational risk frameworks Experience in operational risk, compliance, or internal audit within a regulated environment Strong understanding of Australian regulatory frameworks, including NCCP, AML/CTF, and Privacy legislation Experience with risk assessment methodologies and control testing Strong analytical, organisational, and decision-making skills Excellent communication skills with the ability to engage and influence stakeholders at all levels