Line 1 Risk Manager – Daily Banking

We value your unique voice and perspective, which is why we're counting on you to help us become even better. Join our team and build an exceptional experience for yourself while making a difference in our customers' lives. You'll have the opportunity to shape the way they bank and empower them to stay ahead in both life and business.

We’re on a hunt for an experienced Line 1 Risk Manager to join our Daily Banking Tribe to support our Retail Bank.

As Risk Manager – Daily Banking, you’ll be the go-to expert for keeping ING’s everyday banking products safe, compliant, and customer-focused. This isn’t just about ticking boxes – you’ll embed risk thinking into the heart of our agile Tribes, working across Daily Banking, Digital, and Customer Interaction teams. From spotting operational risks in product lifecycles to designing smart controls and part of project deliveries, you’ll make sure we stay ahead of regulatory obligations while delivering great customer outcomes. You’ll lead risk reviews, regulatory changes, and partner with stakeholders to uplift risk maturity across the business. Think of it as a hands-on role where you’ll balance customer, risk, compliance and business with innovation, influence decisions at all levels, and help shape the future of banking – all while thriving in a fast-paced, collaborative environment.

Our ideal candidate is a hands-on risk professional with a sharp eye for detail and a passion for making banking safer and smarter. You’ll bring at least three years’ experience in risk or product-related roles, ideally within retail banking, and a solid understanding of Australia’s regulatory landscape – think ASIC, APRA, AFCA. You know the first line of defence inside out and can design, test, and uplift controls with confidence. Agile ways of working aren’t new to you; you thrive in fast-paced environments and can juggle multiple priorities without breaking a sweat. You’re a natural communicator who can influence stakeholders at all levels, negotiate solutions, and turn complex problems into practical outcomes. Above all, you’re curious, proactive, and obsessed with delivering positive customer experiences while keeping risk firmly in check.

Ready to make an impact?

What you’ll do
 

• Embed risk thinking into agile squads across Daily Banking, Digital, and Customer Interaction Tribes, ensuring compliance and strong risk culture.
• Identify and assess operational risks in product lifecycles, design and implement effective controls, and uplift the risk control framework.
• Be the risk lead in projects and change initiatives, delivering risk assessments, stakeholder engagements and ensuring safe delivery.
• Partner with stakeholders and 2nd line teams to ensure regulatory obligations are met and processes align with group standards.
• Drive continuous improvement by reviewing end-to-end processes, identifying gaps, and contributing to projects that enhance risk maturity.
• Provide expert advice and reporting, chair risk meetings, and influence decisions to keep products operating safely within risk appetite.

What we’re looking for

• Proven experience in line 1 risk management (minimum 3 years), ideally within retail banking or financial services.
• Solid understanding of regulatory frameworks and compliance obligations in Australia (ASIC, APRA, AFCA).
• Hands-on knowledge of the first line of defence, including designing, testing, and implementing effective controls and risk in change risk assessments.
• Excellent stakeholder management and communication skills, with the ability to influence and negotiate at all levels.
• Analytical and problem-solving mindset, capable of turning complex issues into practical, customer-focused solutions.
• Agile and adaptable, thriving in fast-paced environments and comfortable working across multiple business units.

What’s in it for you?

• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT day to volunteer on approved sustainability activity

About Us

 

At ING, we’re all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we’re proud to support. Joining ING means stepping into an environment where your individuality isn’t just welcomed - it’s celebrated. We’ve built a culture that’s fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.

Whether you’re taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you’ll find ING is the kind of place where growth isn’t just a possibility; it’s a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you’ll feel the difference in how we value and champion our people.

We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you’re interested but don’t meet all the criteria, we encourage you to apply. We’re invested in fostering a diverse and inclusive workplace where everyone feels like they belong. We’re your allies in helping you do your thing during the recruitment process, so let us know (email below) if you require any support or adjustments when you apply  

Sound like your kind of vibe? We can’t wait to hear from you!

(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)

ING is Australia’s most recommended bank according to RFI Global’s Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia.

Need more? 

Contact: Rachel Yuen rachel.yuen@ing.com

For support and adjustments, including DEI, LGBTQI+ confidential application support enquiries: rpoteam.au@ing.com

Applications close 23rd January 2026   

 
Before you apply 
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your Manager  

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