Deputy Head of AML, Payment Institution

Trading-21; Dublin; On-site; EUR 120,000 - 170,000; Full time

Benefits offered by this job

Generous remuneration package

Impactful work for millions

Collaborative team

Job summary

Trading 212 Money Europe Limited is seeking a Deputy Head of AML to lead and operate the firm’s AML/CFT and wider financial crime framework. The role deputises for the Head of AML (MLRO) and holds CF2 status under the Central Bank’s regime.

You will oversee sanctions, risk assessments, and regulatory reporting to the CBI. You’ll manage outsourced teams, own key decisions, and design training programs to strengthen the organisation’s financial crime controls.

Qualifications

• Educated to degree level in Law or Finance is desirable.
• Professional certifications such as ACAMS, ICA, LCOI or equivalent.
• Experience preparing for or responding to a CBI AML/CFT inspection.
• Deep knowledge of European and Irish AML/CFT and sanctions requirements.
• Hands-on experience developing and implementing AML/CFT frameworks and policies.
• Experience with transaction monitoring systems and rule calibration.

Responsibilities

• Support development, implementation, and maintenance of AML/CFT framework and policies.
• Oversee outsourced financial crime operations teams and QA of casework.
• Own key decisions across the financial crime framework.
• Maintain money-laundering, terrorist-financing and sanctions risk assessment.
• Oversee sanctions controls and regulatory reporting to the CBI.
• Design and deliver AML/CFT training for teams.
• Support regulatory inspections and remediation programmes.

Skills

AML/CFT

Regulatory compliance

Financial crime

Stakeholder management

Communication

AI in finance

Education

Degree in Law or Finance

ACAMS/ICA/LCOI or equivalent

Tools

Transaction monitoring systems

Job description

Our mission is to enable everyone to build wealth

We reinvent how trading and investing work by creating exceptional products people love. Fostering a culture of excellence and high velocity is the key to our success. Тoday, we serve over 6 million clients, with more than €30 billion in assets under management - a testament to the scale and trust we’ve built in just a few years.

The role

The Deputy Head of AML is a senior member of Trading 212 Money Europe Limited's (the 'Company' or 'T212 MIE') financial crime function, supporting the Head of AML in establishing and maintaining a robust anti-money laundering, counter-terrorist financing and wider financial crime framework. The role carries delegated responsibility for the day-to-day operation of that framework as a Central Bank of Ireland (CBI)-regulated Payment Institution.

The Deputy Head of AML deputises for the Head of AML (who is the Company’s Money Laundering Reporting Officer - ‘MLRO’) in their absence or as otherwise required.

The role carries the internal designation of Deputy Money Laundering Reporting Officer and has delegated authority to determine and submit suspicious transaction reports on the Company's behalf.

The role is a Controlled Function (CF2) under the Central Bank's Fitness & Probity regime, being a function related to ensuring, controlling or monitoring the Company's compliance with its relevant obligations.

What you’ll do

• Support the development, implementation, and maintenance of the Company's AML/CFT and financial crime framework, policies, and procedures, and take delegated ownership of defined components of the framework.
• Oversee outsourced financial crime operations teams, including service-level management, quality assurance of their casework, and escalation when standards are not met.
• Own key decisions across the financial crime framework.
• Maintain the Company's money-laundering, terrorist-financing, and sanctions risk assessment.
• Oversee financial sanctions and restrictive measures controls.
• Maintain the Company's financial crime registers, records, and evidence base to a standard that withstands regulatory scrutiny.
• Conduct financial crime horizon scanning and advise the Company on AML/CFT and sanctions obligations.
• Design and deliver the Company's AML/CFT training and awareness programme, including role-specific training for first-line teams.
• Support the Company's response to regulatory inspections, thematic reviews, information requests and remediation programmes.
• Support the timely submission of required AML/CFT regulatory reporting to the CBI.
• Support the Company’s communications with the Central Bank of Ireland on financial crime, including regulatory engagements and regulatory reporting.

What you need to have

• Educated to a degree level in Law, Finance, or a related field is desirable.
• Professional certifications such as ACAMS, ICA, LCOI and/or equivalent.
• Experience of preparing for, or responding to, a CBI AML/CFT inspection or Risk Evaluation Questionnaire.
• In-depth knowledge of the European and Irish AML/CFT and sanctions requirements, including applicable guidance, incumbent upon an Irish payment institution.
• Deep knowledge and demonstrable experience in developing and implementing AML/CFT frameworks, policies and procedures.
• Demonstrable hands-on experience of transaction monitoring and screening systems, including rule and threshold calibration, alert quality assurance, and the review and challenge of system output.
• Demonstrable ability to use artificial intelligence and other technology to enhance work
• A "right first time" attitude and excellent attention to detail.
• Capable of working independently or as part of a team, and comfortable operating with autonomy when deputising.
• Strong communication skills, both written and verbal, including the ability to present to senior stakeholders and regulators.

What we offer:

• Challenges that will help you grow and realize your potential fast.
• Opportunity to make a significant impact - you will build innovative services used by millions of investors to build wealth.
• Work with smart, spirited, helpful, high-performing colleagues with a common goal.
• An environment where nothing is set in stone.
• Appreciation for your talent and ideas.
• Generous remuneration package

Bring your ambition to Europe’s fastest-growing mobile broker!