About ARQ

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

The Role

You will own the design, implementation, and continuous improvement of ARQ’s risk management framework in Colombia. This includes market, credit, operational, and regulatory risk, ensuring the company operates within risk appetite while enabling sustainable growth.

What you'll be doing

• Own the local risk management framework, including identification, assessment, monitoring, and mitigation of key risks across the business

• Lead across risk areas such as credit risk, market risk and operational risk, with a focus on credit risk

• Ensure alignment with regulatory requirements, internal policies, and global risk standards

• Develop and maintain risk policies, procedures, and controls, ensuring audit readiness at all times

• Monitor key risk indicators and produce regular risk reporting for local and global stakeholders

• Partner closely with compliance/AML, operations, product, and finance teams to embed risk controls into processes and product design

• Support regulatory interactions, including inspections, audits, and reporting requirements

• Drive continuous improvement of risk models, underwriting strategies, fraud detection systems, and operational controls

• Act as the local risk subject matter expert, advising leadership on risk exposure and mitigation strategies

What you'll need

• 5 to 10 years of experience in risk management within fintech, banking, or regulated financial institutions, direct experience on credit risk is required

• Strong experience across multiple risk domains such as credit risk, market risk, fraud and operational risk

• Proven experience building or scaling risk frameworks in regulated environments

• Strong understanding of Colombian regulatory and risk management expectations

• Analytical skills with experience using data to drive risk and performance decisions

• Structured problem solving and ability to translate complex risk issues into actionable insights

• High attention to detail with a rigorous control mindset

• Strong stakeholder management, with the ability to influence cross-functional teams

• High ownership, resilience, and execution focus

• Ability to operate both strategically and hands-on in a fast-scaling environment

Nice-to-haves

• Direct experience working with Colombian regulators or supervised entities

• Experience in fintech or high-growth environments

• Hands-on experience with risk modeling, underwriting, or fraud detection systems

• Prior experience in consulting or top-tier financial institutions

• Experience supporting licensing processes or regulatory approvals