We are seeking a motivated and experienced Compliance Senior Manager / MLRO to provide maternity leave cover, with a strong focus on Anti-Money Laundering (AML), Financial Crime Risk and general compliance in a retail financial services setting.
The role supports the Head of Compliance in managing and mitigating regulatory risk and in fostering a strong risk‑aware and customer‑focused culture.
Your opportunity As Compliance Senior Manager / MLRO, you will play a significant role in safeguarding operations, promoting best practices and maintaining a robust compliance and financial crime framework.
You will work closely with senior management and business teams to ensure regulatory obligations are understood, embedded and effectively monitored.
Key responsibilities Act as MLRO, providing day‑to‑day guidance and support on AML practices associated with lending applications and transactions.
Collaborate with stakeholders to ensure comprehensive financial crime risk identification, assessment and evaluation.
Report on AML and Financial Crime risk and performance to Senior Management on a regular basis.
Prepare and submit required regulatory returns to the Central Bank of Ireland (e.g.
REQ returns).
Deliver AML and Financial Crime training to new joiners and existing colleagues, reinforcing a strong compliance culture.
Monitor and assess the effectiveness of controls through the Business Risk Assessment process and recommend enhancements where required.
Support business units in assessing obligations and adjusting processes, risks and controls to ensure compliance with new or changing regulations (e.g.
AMLD6).
General compliance Provide day‑to‑day guidance on general compliance queries from first line business areas (e.g.
advertising, complaints, errors, customer disclosure requirements).
Conduct regular horizon scanning, with support from the Head of Compliance, to identify regulatory developments relevant to a retail credit environment.
Ensure compliance policies and procedures remain up to date and fit for purpose in line with defined review schedules.
Prepare quarterly compliance reports for Senior Management with support from the Head of Compliance.
Support delivery of compliance training (both e‑learning and classroom).
Support the Head of Compliance in the design and delivery of the annual Compliance Plan.
Assurance Provide oversight and support to the Assurance Manager in delivery of the annual Compliance Assurance Plan, including the quality of scopes and reports.
Support the Assurance Manager in debrief meetings and act as a point of escalation where needed.
Report outcomes of assurance reviews to Senior Management in a timely manner.
Lead the design of the 2027 Compliance Assurance Plan with support from the Assurance Manager and Head of Compliance.
Key competencies Comprehensive knowledge of the Criminal Justice Act and related AML/Financial Crime guidance.
Good knowledge of general compliance requirements applicable to a Retail Credit Firm.
Strong analytical and problem‑solving skills, with the ability to make informed recommendations and decisions.
Excellent communication and interpersonal skills, with the ability to engage and influence stakeholders at all levels.
Ability to work collaboratively in a dynamic and fast‑paced environment.
Ability to prepare and deliver clear risk and compliance reports to Senior Management and governance forums.
Qualifications and experience Qualification in Business, Finance, Compliance, Risk Management or a related field, or equivalent relevant experience.
Minimum 5 years' experience in Compliance, with significant exposure to Financial Crime Risk and AML.
Experience in conducting compliance assurance reviews.
Understanding of retail banking or retail credit products and processes.
Proven people management capabilities.
Experience operating at or near PCF level is an advantage, though PCF approval is not anticipated for this role.
Regulatory classification This is a Controlled Function (CF2 – ensuring, controlling or monitoring compliance) under the Central Bank of Ireland's Fitness & Probity Standards.
The successful candidate will be required to comply with the Individual Accountability Framework, meet Fitness & Probity Standards, complete a Fitness & Probity questionnaire and undergo appropriate due diligence checks, including on qualifications and CPD as applicable