Risk & Compliance Director France

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Objective of the role (Why)

The country Risk and Compliance Director (RCD) reports hierarchically to the Regional Risk and Compliance Director (RRCD) (i.e., hire, fire and appraisal) and functionally to the local Managing Director. The RCD is a member of the local Management Team.

The country RCD is responsible for the Risk and Compliance department and ensures the second line of defence (LOD2) of the country. The team consists of 15 people specialized in Compliance, Operational Risk Management and Credit Risk. Additionally, during a transition period, the RCD can be responsible for managing the first line of defense activities related to credit, control, and operational risk.

Areas of responsibilities (What)

The main mission is to contribute to the sustainable development of the entity’s activities and profitability by establishing, in his/her role of second line of defence, a sound risk & compliance management and monitoring system. As such, the RCD:

• Implements the risk management and compliance framework, ensures its effectiveness (including IT tools), efficiency and continuous improvement;
• Contributes to effective governance: plays an active role in committees, offering constructive challenge and helping governance bodies to fulfill their roles and responsibilities;
• Is accountable for overseeing the management of all risks from a LOD2 perspective;
• Escalates to the RRCD and the relevant central teams when the central guidelines are in contradiction with the local laws and regulatory requirements;
• Supports the first line of defence in maintaining the entity’s risk profile in line with central guidelines for the local risk indicators and in determining and implementing risk mitigation strategies.

The country RCD has the following major accountabilities:

• Monitor overall risk exposures and identify emerging risks across all sectors, contribute to assess potential impacts of macroeconomic, political, technological, Environmental, Social and Governance (ESG) scenarios.

• As a key risk for Ayvens, the RCD will oversee that Asset Risk is properly controlled and handled by ensuring that the pricing committee and fleet revaluation process are aligned with central requirements and by reviewing the KRIs.

• Ensure that all non-compliance risks are identified and monitor the proper implementation of the compliance framework by LOD1, including regulatory training and Culture and Conduct aspects.
• Evaluate the impact of legal and regulatory evolutions on entity’s activities and the compliance setup.
• Maintain a strong team by infusing new talent, where appropriate, to increase the level of expertise in key areas and developing internal talent to secure succession planning. Build a culture of accountability at the individual and team level. Contribute to disseminating a culture of controlling risk taking within entity.
• Ensure an adequate organizational set up where the teams have sufficient resources in terms of staff both from a qualitative and quantitative standpoint), information systems and access to internal and external information necessary for the performance of their duties.
• Provide effective challenge of the budget trajectory for the annual plan (budgeting) process of the local entity. Provide input for the annual budget for the local Risk & Compliance department and monitor adherence to the approved budget.
• Work together with the other RCDs / RCMs, with the support of the RRCDs, sharing lessons learned and good practice, thereby contributing to the continuous improvement of the risk management and compliance framework of the enterprise.
• Set up and manage Shared Services Center/Expertise center of his/her perimeter, if any, by correct implementation and application of risk policy and procedures as defined at Central level.

In addition to the above it’s important to be aware of the following direct responsibilities that are currently required:

• Responsible for forming and expressing compliance & GDPR opinions in projects & decide on the most complex KYC cases directly.

·         Ensure reinforcement of the newly created LOD2 Credit setup regarding:

o    Portfolio monitoring incl. creating and monitoring the right KPIs,

o    Supervision and monitoring of defaults and provisions

o    Underwriting of big ticket files.

• Ensure reinforcement of the Non-financial risk setup.

Competencies (How)

• Leadership and Influence: Inspire and lead the country Risk and Compliance team, fostering professional development and effective collaboration.
• Strategic Thinking: Exhibit strategic expertise in Risk and Compliance.
• Communication and Coordination: Maintain clear and effective communication channels within and outside the Risk and Compliance function.
• Problem-Solving and Adaptability: Address challenges creatively and adapt to changes in the business environment.
• Cultural Alignment: Promote Ayvens' culture of collaboration, curiosity, authenticity, and commitment.

Why Ayvens?  

With over 3.1 million vehicles managed across more than 40 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.

At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates, news, and insights.