Regulatory Compliance Manager – EU

ACE Money Transfer

2d•Remote

About The Position

ACE Money Transfer is looking for an experienced Regulatory Compliance Manager – EU to provide independent oversight and assurance of regulatory compliance across ACE Money Transfer Ireland Limited (AMTL). You will work closely with business functions, the Head of AML & Compliance and the Legal team so that regulatory obligations are put in place properly and kept up across the business. You will run the Compliance Monitoring Plan, challenge business functions where needed, and report significant findings to senior management and governance committees. The role reports to the Head of AML & Compliance, with an alternate reporting line to the CEO. It is a senior, high-impact position for a compliance professional who wants to shape a strong compliance culture in a regulated, technology-driven payments business.

Requirements

Bachelor’s degree in Law, Business, Finance or a related discipline.
10+ years of regulatory compliance experience in financial services, preferably in payments, e-money or money remittance.
Strong understanding of the Irish and EU regulatory frameworks that apply to regulated financial institutions.
Proven experience in compliance monitoring, oversight and assurance, including assessing how internal controls are designed and how well they work.
Experience developing and running risk-based Compliance Monitoring Plans, documenting findings and tracking remediation.
Good knowledge of regulatory governance, consumer protection, AML/CFT and emerging regulatory developments.
Interprets requirements, identifies gaps and gives practical recommendations.
Confidently challenges business functions and influences corrective action.
Produces clear, evidence-based findings and reports.
Presents findings to senior management and governance committees with confidence.
Builds strong working relationships across business, Legal and Internal Audit.
Manages several priorities with strong attention to detail.
Upholds high ethical standards and promotes a strong compliance culture.

Nice To Haves

Experience in a fintech or technology-driven financial services environment is an advantage.

Responsibilities

Monitor regulatory developments and assess how they could affect the business.
Maintain a regulatory change register and oversee timely implementation of new requirements by the relevant business owners.
Identify emerging regulatory risks and report significant developments to senior management.
Provide independent oversight of business activities to check compliance with applicable regulatory requirements.
Review whether regulatory controls across business functions are adequate and effective.
Identify compliance gaps, recommend corrective actions and monitor their implementation.
Give compliance input on new products, processes and business initiatives.
Review compliance policies and procedures to make sure they align with regulatory requirements.
Check whether policies and procedures are actually implemented and followed across the business.
Identify areas that need updating and recommend improvements to the relevant stakeholders.
Review customer communications, promotional materials and business practices from a regulatory perspective.
Develop and carry out a risk-based Compliance Monitoring Plan.
Conduct periodic compliance reviews and testing to assess whether controls are well designed and working effectively.
Document findings, recommend remedial actions and track them to closure.
Report monitoring outcomes and significant compliance weaknesses to senior management and the relevant governance committees.
Give business functions regulatory guidance and advice on compliance matters.
Identify regulatory training needs based on monitoring findings and emerging risks.
Support compliance awareness initiatives and promote a strong compliance culture.
Prepare periodic compliance reports covering monitoring outcomes, regulatory risks and progress on remediation.
Escalate material compliance breaches, control weaknesses and overdue corrective actions.
Coordinate with the Head of AML & Compliance, Legal and Internal Audit so that oversight is effective and assurance work isn’t duplicated.
Support regulatory inspections, internal audits and external assurance reviews as required.