Compliance Manager Job at Tripadvisor (Dublin)

Job Description

Owl Payments Europe is seeking an experienced Compliance Manager to act as Deputy to the Chief Compliance Officer and Money Laundering Reporting Officer (PCF-12 and PCF-52). This is a non-PCF operational role. The CCO/MLRO retains primary regulatory accountability to the Central Bank of Ireland, and the Compliance Manager acts in a delegated capacity in support of that function. Reporting directly to the CCO/MLRO, the Compliance Manager will provide operational leadership across OPEL's regulatory compliance and AML/CFT framework, drive the compliance monitoring programme, support regulatory engagement, and ensure compliance obligations are understood and embedded across the organisation. This role is suited to a compliance professional with a strong track record in a regulated Payment Institution or Electronic Money Institution who can translate regulatory requirements into practical, proportionate operational processes and engage credibly with senior management, the CBI, and external auditors

Job Responsibility

Support the CCO/MLRO in implementing and maintaining OPEL's compliance governance framework, including policies, procedures, risk assessments, and the compliance monitoring programme
Assist in preparing Board and senior management compliance reporting, including annual compliance reporting, regulatory developments, and key compliance risk metrics
Support the development and execution of the Annual Compliance Plan and 2nd Line of Defence assurance testing programme under the direction of the CCO/MLRO
Monitor regulatory developments from the CBI, EBA, and EU institutions, conduct gap analyses, and provide timely, practical advice to leadership on required actions
Coordinate responses to internal audit, regulatory reviews, and compliance assurance activities
Support the CCO/MLRO in discharging OPEL's AML/CFT obligations, acting as Deputy MLRO in a formally delegated capacity
Maintain and develop the AML/CFT framework in accordance with the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010 to 2024, as amended, the Fourth and Fifth EU AML Directives as transposed into Irish law, and CBI AML/CFT Guidelines for the Financial Sector
Oversee customer due diligence and onboarding compliance, transaction monitoring, and financial crime risk assessments
Manage suspicious transaction reporting processes and assist with investigations and regulatory reporting as required
Conduct and maintain the Business Risk Assessment and support periodic AML/CFT policy reviews
Design and deliver AML/CFT training across the organisation
Maintain 2LOD oversight of OPEL's safeguarding obligations under the European Communities (Payment Services) Regulations 2018 (SI 6/2018)
Support oversight of safeguarding controls, reconciliations, segregation arrangements, and breach and escalation processes, and report material issues to the CCO/MLRO promptly
Support the preparation of regulatory notifications relating to safeguarding where required
Support interactions with the Central Bank of Ireland and other relevant authorities, including regulatory submissions, supervisory requests, and thematic reviews
Monitor regulatory developments impacting payment institutions, including PSD2/PSD3, EU AML legislation, DORA, and CBI-specific guidance
Support the preparation of OPEL's periodic regulatory submissions, including the Operational Risk and Security Return and other CBI reporting obligations
Provide compliance oversight of OPEL's outsourcing arrangements in accordance with EBA Guidelines on Outsourcing Arrangements and CBI expectations
Maintain the outsourcing register and support the assessment of material outsourcing and sub-outsourcing arrangements
Monitor compliance of material service providers against contractual and regulatory standards
Work closely with Technology, Operations, Legal, and Product teams to ensure compliance considerations are integrated into business processes, system design, and infrastructure changes
Provide 2LOD input on technology change management where changes carry regulatory or financial crime implications
Support compliance requirements within payments infrastructure, transaction monitoring systems, and regulatory reporting frameworks
Maintain awareness of DORA obligations and support OPEL's operational resilience compliance posture
Deliver internal training programmes covering AML, financial crime, regulatory compliance and conduct risk
Promote a culture of compliance and risk awareness across the organisation

Requirements

A minimum of five years' experience in compliance, AML, or financial crime within a regulated Payment Institution, EMI, or financial services firm, with at least three years focused on AML/CFT compliance
Proven integrity and demonstrable adherence to CBI Fitness and Probity standards
Strong working knowledge of the Irish and EU regulatory frameworks applicable to payment institutions, including SI 6/2018, the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010 to 2024, as amended, CBI AML/CFT Guidelines and FATF standards
Experience implementing compliance monitoring programmes and AML/CFT risk assessments
Sound understanding of EBA Guidelines on Outsourcing Arrangements and CBI outsourcing expectations
Familiarity with applicable Fitness and Probity, Conduct Standards, and Individual Accountability Framework requirements as they apply to regulated firms in Ireland
Ability to work effectively with cross-functional teams in a technology-enabled payments environment
Excellent analytical, written, and verbal communication skills, with the ability to translate complex regulatory requirements into clear, practical advice for business leaders and operational teams
Degree in Law, Finance, Business, Compliance, Risk Management, or a related field
Professional compliance, AML, or financial crime certification is required or must be obtained within an agreed timeframe
Demonstrated experience in regulatory compliance, AML, or financial crime within a regulated financial services or payments environment
Knowledge of PSD2, Irish Payments Regulations, AML/CFT requirements, and Central Bank of Ireland supervisory expectations
Experience preparing regulatory or compliance reporting
Ability to work effectively with senior management, operational teams, and external regulators

What we offer

Competitive compensation packages (routinely benchmarked against the latest industry data), including base salary and annual bonuses
'Work your way' with flexibility to suit your lifestyle
Flexible schedule
Donation matching
Tuition assistance
Lifestyle benefit
Travel perks
Employee assistance program
Health benefits
Generous referral scheme

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