Compliance Officer & MLRO (PCF-12 & PCF-52)

About Tripadvisor

The Tripadvisor Group connects people to experiences worth sharing, and aims to be the world’s most trusted source for travel and experiences. We leverage our brands, technology, and capabilities to connect our global audience with partners through rich content, travel guidance, and two-sided marketplaces for experiences, accommodations, restaurants, and other travel categories. The subsidiaries of Tripadvisor, Inc. (Nasdaq: TRIP), include a portfolio of travel brands and businesses, including Tripadvisor, Viator, Owl Payments and TheFork.

Position summary

Owl Payments Europe is seeking an accomplished Chief Compliance Officer and Money Laundering Reporting Officer (PCF-12 & PCF-52) to lead compliance and AML/CTF activities for its regulated payments institution. This is a permanent, full-time position based in Dublin, with office attendance required four days per week. Reporting directly to the Chief Executive Officer and ultimately to the Board, the role is responsible for maintaining robust regulatory compliance, risk management, and oversight of financial crime in a dynamic marketplace environment.

As Chief Compliance Officer and MLRO, you will oversee the design, implementation, and management of OPEL’s regulatory compliance framework, ensuring full alignment with all statutory and supervisory requirements. You will play a key part in fostering a culture of compliance within the organisation, leading initiatives to ensure OPEL consistently meets its regulatory obligations. The role includes representing compliance and risk matters before the Board by delivering reports, performance metrics, analyses, and recommendations, and liaising with regulators to provide timely and accurate updates as necessary.

Close collaboration with internal teams, including Legal, Technology/Data, and other stakeholders is essential to ensure that compliance and risk management is fully integrated throughout OPEL’s operations. This role is subject to the Central Bank of Ireland’s fitness and probity regime and encompasses the Head of Compliance and MLRO pre-approved control functions.

What you'll do:

• Prepare and present regular (quarterly/annual) compliance reports to the Board and/or senior management, communicating all critical compliance matters, regulatory changes, and incidents.
• Implement, maintain, and periodically update a compliance governance framework, including annual compliance plans, risk assessments, and robust compliance monitoring programs.
• Develop and maintain a strong compliance framework for all Irish and EU requirements applicable to Payment Institutions (PSD2, Irish Payments Regulations, AML/CFT, Consumer Protection Code).
• Liaise with the Central Bank of Ireland and other authorities on regulatory submissions, reporting, and supervisory matters.
• Oversee identification, assessment, and management of compliance, AML, and CFT risks, including completion of risk evaluations and transaction monitoring.
• Partner closely with Technology and Data teams to ensure compliance frameworks, transaction monitoring, and regulatory reporting are effectively supported by robust systems, automation, and data governance.
• Lead horizon scanning to proactively identify, monitor, and communicate emerging regulatory requirements, legislative changes, and industry best practices; ensure timely updates to compliance programs and advise management on potential impacts.
• Monitor compliance with consumer protection regulations, including adherence to the Consumer Protection Code, and proactively manage conduct risk for the firm.
• Oversee the handling of regulatory complaints and ensure timely responses and remediation in accordance with legal and regulatory requirements.
• Coordinate and support regular internal audits, compliance assurance testing, and regulatory reviews to evaluate the effectiveness of compliance processes and controls.
• Ensure all relevant staff adhere to Fitness & Probity requirements, including obtaining pre-approvals from the Central Bank of Ireland as needed.
• Maintain robust document retention policies, ensuring secure and compliant storage of records related to compliance, AML/CFT, customer due diligence, and suspicious transaction reports in line with GDPR and Irish law.
• Supervise outsourced service providers who perform regulatory or compliance-related activities, in conjunction with the Chief Operating Officer, ensuring they meet all firm and regulatory expectations.
• Submit Suspicious Transaction Reports (STRs) to FIU Ireland and escalate key compliance/AML matters.
• Advise senior management and the Board on regulatory changes and risk developments in payments and marketplace environments.
• Deliver internal training on compliance, KYC/AML, and financial crime risks.

This is a great opportunity for an experienced Compliance professional to help to continue to shape the long-term success of a newly established business, as such you will have;

• A deep understanding of the regulatory compliance issues that a company like OPEL faces
• Experience in working as a senior compliance professional in the financial industry, preferably in fintech/payments and with EU-wide scope
• A history of maintaining the appropriate Fitness and Probity Standards as defined by the Central Bank of Ireland
• A proven ability to build strong working relationships with industry counterparts, regulators, partners, and at board level
• Strong leadership skills and an ability to create a culture of rigour and compliance by design in a high growth oriented organisation
• An ability to find solutions to complex and hard problems and ability to turn incomplete, conflicting, or ambiguous inputs into solid action plans
• Strong written and verbal communication skills - including the ability to communicate effectively with different stakeholders across the business
• Excellent communication skills including an ability to convey a compelling vision for compliance and risk

Essential requirements 

• Demonstrated ability to use AI tools to improve efficiency, quality, and decision-making in day-to-day work.
• Proven ability to operate effectively with a global-first mindset.
• Bachelor’s degree in Law, Finance, Business, Compliance, Risk Management, or related field.
• Proven, senior experience in compliance, AML, or risk management in a regulated Payments Institution or Electronic Money Institution in Ireland or the EU.
• Strong knowledge of PSD2, Irish Payments regulations, AML/CTF, and Central Bank of Ireland guidance.
• Leadership skills with ability to engage with Board-level stakeholders.

Preferred Qualifications

• Professional certification: ICA Diploma in AML/Compliance, CAMS, ACAMS, or equivalent.
• Previous approval for a PCF function (PCF-12, PCF-52, or similar) with the Central Bank of Ireland or another EU regulator.
• Postgraduate qualification in compliance, finance, or regulation.
• Experience working in compliance in an e-commerce or marketplace environment is an advantage.
• Experience with digital, large-scale, or tech-driven payments businesses.

 

Job Location: On-site

This role is an on-site position in our Dublin WeWork office

What We Offer 

• Flexible activity-based working fostered collaboration and productivity
• Inclusive global travelers community welcoming diverse perspectives
• Competitive salary package including performance bonuses
• Development programs, managerial courses, and learning series
• Health insurance covers medical, dental, and vision for families (varies by country)
• Lifestyle Reimbursement Benefit for personal travel, and physical, mental, and financial wellness
• Several paid time off programs, including time to bond with new children and care for family members. Paid public holidays, and year-end office shutdown
• Employee assistance program for short-term counseling and free Calm app subscription
• State-of-the-art offices: dining, coffee points, and leisure area
• Generous referral scheme. Help us grow and be rewarded with generous awards for referring successful candidates.

Our Cultural Pillars:

Traveler first

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. 

Execution is our edge

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. 

We succeed together

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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