Head of Programme Oversight (BIN Sponsorship)

Head of Programme Oversight (BIN Sponsorship) About the role: The Head of Programme Oversight is responsible for defining, owning, and continuously improving how Enfuce onboards and oversees BIN Sponsorship customers across their lifecycle. Reporting directly to the VP of Operations, this role operates as a first line of defence (1LOD) leader, ensuring that onboarding and ongoing oversight are executed effectively, at scale, and in line with Enfuce’s risk appetite and regulatory obligations. This role goes beyond framework ownership it is accountable for ensuring that controls work in practice, that risks are actively managed, and that partner programmes are appropriately challenged when needed. S/he acts as a senior escalation and decision point, balancing commercial growth with sound judgement on risk, including when to restrict, remediate, or block programmes. The role leads a team responsible for day-to-day onboarding and oversight delivery, while remaining close to the detail ensuring quality, consistency, and strong decision-making across the lifecycle. What you’ll be doing: BIN Sponsorship Onboarding Ownership: Own and continuously improve the end-to-end onboarding framework for BIN Sponsorship customers, ensuring efficiency, scalability, and regulatory compliance Define clear onboarding standards, processes, and acceptance criteria aligned with Enfuce’s risk appetite and partner expectations Ensure onboarding risk assessments directly inform ongoing oversight intensity and control requirements Drive cross-functional coordination across Compliance, Risk, Product, and Commercial to ensure seamless onboarding execution Oversight & Governance Framework: Design and own the ongoing oversight model for BIN Sponsorship customers, including monitoring, review cycles, and control frameworks Actively challenge programme partners where risks, performance, or control effectiveness fall short, rather than operating as a passive oversight function Own the effectiveness of controls in practice, ensuring frameworks translate into real risk mitigation and operational discipline Drive remediation efforts where issues are identified, ensuring timely and sustainable resolution KPIs, KRIs & Performance Management: Define, implement, and own KPIs and KRIs for onboarding and ongoing BIN Sponsorship oversight Monitor performance, identify trends and risks, and drive corrective actions where needed Provide clear and structured reporting on performance, risks, and operational health Governance, Committees & Reporting: Own the preparation of high-quality materials for internal governance forums, committees, and Board reporting related to BIN Sponsorship Ensure reporting is accurate, insightful, and supports effective decision-making Act as a key contributor in governance forums, representing onboarding and oversight perspectives Escalation & Operational Ownership: Remain hands-on in complex onboarding cases, high-risk partners, and escalations as needed Ensure consistent application of standards through QA, calibration, and direct involvement where required Exercise strong judgement in balancing risk and growth, including making difficult calls (e.g. delaying, restricting, or blocking programmes where required) Ensure decisions are pragmatic, well-documented, and aligned with regulatory expectations Team Leadership & Capacity Planning: Lead, develop, and scale a team of 1LOD Onboarding & Oversight Managers, ensuring high performance, clear accountability, and strong engagement Balance delegation with staying close to the detail, ensuring strong quality assurance, consistency, and decision-making standards across the team Regularly review cases, decisions, and outputs to maintain high standards and support team development Establish a culture of accountability, ownership, and constructive challenge Continuous Improvement & Scalability: Identify and drive improvements in onboarding and oversight processes to enhance efficiency, control, and customer experience Leverage automation, data, and tooling to improve scalability and reduce manual effort Ensure frameworks evolve in line with business growth, regulatory changes, and partner requirements Stakeholder Management: Build strong relationships with internal stakeholders (Compliance & Risk, Operations, Commercial) and external partners Act as a trusted counterpart for BIN Sponsorship partners on onboarding and oversight topics Ensure alignment and clarity across all parties involved in the BIN Sponsorship lifecycle What you’ll bring: 10+ years of experience in payments, fintech, or regulated financial services, ideally within issuing, BIN sponsorship, or embedded finance models Proven experience in a builder role, having designed, implemented, or significantly improved onboarding, customer lifecycle, and/or operational oversight frameworks in a scaling environment. Demonstrated the ability to combine hands-on execution with team leadership, operating effectively at both strategic and operational levels. Experience working in a high-growth or fast-paced environment, where processes, tooling, and teams needed to be built or scaled (not just maintained) Strong understanding of EU/UK regulatory expectations (AML/KYC, ongoing monitoring, partner oversight), with the ability to translate these into practical, scalable operational frameworks. Experience leading small to mid-sized teams, focusing on coaching, structure, and performance management (player-coach mindset) Track record of working cross-functionally with Product, Risk, Compliance, and Commercial teams, balancing business growth with control and regulatory requirements. Strong judgement and decision-making capability, particularly in balancing risk, scalability, and commercial objectives Demonstrates a high level of ownership and accountability, with the ability to act as a senior escalation point and challenge stakeholders when needed. Why You’ll Love Working At Enfuce: High autonomy & ownership: We give you the freedom to own your work and trust you to make the best decisions for your projects. Top-tier talent: Join a team of industry experts and highly skilled professionals who are as passionate as you are about innovation. Unlimited growth potential: We support your ambition with plenty of room for personal and professional growth within the company. Flexible, remote work: Work from anywhere up to 30 days, in an environment that values flexibility and work-life balance. A supportive culture: You’ll be part of a team that encourages, motivates, and celebrates success together. Comprehensive benefits package: We take care of our people with great benefits to match the value you bring. Benefits & Perks: Fair pay and employee stock option: We value the input of every employee and want you to tap into the growth we build together. That’s why our salaries are competitive and reassessed regularly, and you have access to an employee stock option program. Flexible Paid Time Off: We offer a flexible paid time off policy, providing up to 5 weeks of annual vacation days and paid family leave (subject to country regulations). Additionally, you can benefit from hybrid or remote work options, promoting a healthy work-life balance. Regular Fun With Your Team: To spend other than work-related time with your teammates, you get a team activity budget for three quarters a year. The fourth quarter is reserved for a company-wide event. Department Operations Locations London , Espoo , Germany (Remote), Mariehamn , Spain (Remote) Remote status Fully Remote London Espoo Germany (Remote) Mariehamn Spain (Remote) About Enfuce Founded in 2016, Enfuce is a female-founded and led company with a unique vision: to bring the brightest minds and the best technology together to break down the barriers to prosperity. As a leading global card issuer and payment processor that merges innovation, security, and expertise to create modular, cloud-based payment processing capabilities, Enfuce is one of Finland’s most valuable scaleups, and is the first financial service provider in the world to be PCI-DSS certified while running its service in the public cloud. By focusing on collaboration, Enfuce is able to efficiently provide customers with cutting edge features – offering in-house experts and white labelled technology to help companies create scalable payment solutions with ease. Supporting debit, credit, prepaid, gift, fleet, and fuel card programmes in any form – for consumer, commercial, and B2B applications. Enfuce’s no-nonsense approach helps customers create bespoke payment solutions that are flexible, scalable, and secure. Holding an Electronic Money Institution (EMI) licence from the Finnish FSA and from the UK’s Financial Conduct Authority (FCA), enabling operations across Europe and the UK, Enfuce’s PCI-DSS certified platform guarantees 99.999% uptime, global scalability, and card scheme connectivity, supporting various card programmes and integration with digital wallets. Enfuce has raised €68.5 million in funding rounds, showcasing its industry leadership with recognitions like Visa Fintech Fast Track and Mastercard Lighthouse Development Program participation, as well as winning prestigious awards, such as the 2019 PayTech Award for Best Payments Solution, 2022 FF Award for Mobile Payments and the 2023 FF Award for Authentic ESG. Propelled by the forward-looking vision of its Co-CEOs and Nordic ingenuity, Enfuce is set to expand globally, shaping the future of payment solutions. Founded in 2016 Co-workers About 130 and growing!