Second Line Controls Analyst

• Play a key role in shaping how Zip manages risk and delivers operational excellence across a fast-paced, values-led business.
• Join a collaborative Risk team that partners with the business to embed strong, sustainable controls and drive continuous improvement.
• Hybrid working from our Sydney office, with the flexibility to balance focus time and team connection.

Join Zip’s Risk function, responsible for strengthening our operational resilience and ensuring our teams are empowered to make confident, well-informed decisions.

As a Second Line Controls Analyst, you’ll lead the assessment, testing, and assurance of controls across key operational processes. Your insights will help identify control gaps, uplift risk maturity, and ensure effective management of risk across the business.

Working closely with first-line teams, you’ll provide oversight and challenge, ensuring risks are identified, managed, and escalated appropriately. This is a great opportunity for a risk professional who thrives on detail, accountability, and partnership - helping to embed a culture where risk awareness is part of everyday decision-making.

• Deliver independent assurance reviews to assess the design and operating effectiveness of key controls across business units
• Provide oversight and challenge to first-line control owners, helping teams proactively identify and manage operational risks
• Support the remediation and closure of control gaps and findings, ensuring improvements are sustainable and well-documented
• Develop and maintain control testing methodologies, plans and reporting aligned with Zip’s Risk Management Framework
• Partner with stakeholders across Risk, Compliance and Operations to strengthen control maturity and uplift awareness of risk and assurance best practice

• 5+ years’ experience in risk management, operational risk or controls assurance within financial services, fintech or another regulated environment
• Strong understanding of risk and control frameworks such as COSO or ISO 31000, with practical experience in testing, documenting and improving control
• Excellent analytical, documentation and reporting skills with the ability to translate control insights into actionable business recommendations
• Strong relationship management and influencing skills, with the ability to challenge and collaborate effectively across team
• Familiarity with risk tooling or GRC platforms such as ServiceNow, Archer or Workiva is desirable
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA. Customer First, Own It, Stronger Together and Change the Game.

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands-on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our Wellbeing platform Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave, 2 days study leave and 2 days religious or cultural leave per year
• Fee-free Zip products, and discounts with Zip merchant partners (AU)
• Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney and Melbourne)
• Access the Flare Benefits Hub & Novated Leasing: Save on groceries, fuel, tech, fashion, dining and more — with exclusive health perks, wellbeing guidance and potential tax savings on car ownership.

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know if there are any adjustments that need to be made to ensure you have a fair and equitable experience.

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products.

Operating in two core markets — Australia and New Zealand (ANZ) and the US - Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business, and our values — Customer First, Own It, Stronger Together and Change the Game — guide us in everything we do.

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