Compliance Manager

Deputy to the Chief Compliance Officer & MLRO
Owl Payments Europe – Dublin

4 days per week in the office

The Tripadvisor Group connects people to experiences worth sharing and aims to be the world’s most trusted source for travel and experiences. Through its portfolio of brands including Tripadvisor, Viator, Owl Payments and TheFork, the Group leverages technology, trusted content, and global partnerships to connect millions of travellers with experiences, accommodations, restaurants, and travel services.

Owl Payments Europe Limited (OPEL) is the regulated Payment Institution authorised by the Central Bank of Ireland (CBI), supporting the Tripadvisor marketplace ecosystem across Europe. OPEL is subject to the full scope of CBI supervisory requirements, including safeguarding, AML/CFT, outsourcing governance, and applicable Fitness and Probity, Conduct Standards, and Individual Accountability Framework requirements.

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

Compliance Framework and Governance

• →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 MLRO in overseeing the firm’s AML/CFT framework, including:

• 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.

• 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. Acceptable qualifications include the ICA
• Diploma in Compliance, ICA Certificate in AML, or ACAMS/CAMS certification.
• 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.

We exist to create value for our customer, the traveler. We enable our suppliers and partners to unlock this value. Their collective behaviors and insights are what drives us. 

We act fast, experiment, learn from failure, iterate, and improve the solutions of tomorrow across every aspect of our business. Our execution is agile, data-driven, prioritised, and built to scale. We assume no problem is someone else’s problem and finish what can be done today, knowing tomorrow will bring fresh challenges. 

The best outcomes are driven by empathic, humble, and diverse subject matter experts working toward shared goals. We collaborate relentlessly, challenge assumptions, give actionable feedback, and set each other up for success through empowered teams with a clear charter. We transparently take ownership of our growth, individually and as a team. We celebrate the quality of our effort, our learnings, and our collective achievements.

We strive to create an accessible and inclusive experience for all candidates. If you need a reasonable accommodation during the application or the recruiting process, please make sure to reach out to your individual recruiter or our team at AccessibleRecruiting@tripadvisor.com.

If you have any additional questions about careers at Tripadvisor you can email us at recruitment@tripadvisor.com. We have all the answers!

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