MLRO, Ireland (PCF-52)

LemFi; Dublin; Hybrid; EUR 120,000 - 180,000; Full time

Job summary

LemFi, the Irish-regulated payments group, is seeking a designated MLRO to own the Irish AML/CFT programme end to end. You will report to the Compliance Leadership team and act as the face of LemFi with the Central Bank of Ireland and FIU Ireland.

You will manage STRs, regulatory filings, audits, and licensing obligations, collaborate with global compliance, and leverage AI to draft policy documents with rigorous self-validation, helping the business stay compliant while scaling across Europe.

Qualifications

• At least 5 years in a senior compliance or MLRO role in Irish/EU-regulated financial services.
• Direct PCF or CF designation experience preferred.
• Extensive knowledge of Criminal Justice Acts 2010–2021, CBI AML/CFT, and EU directives.
• Proven regulatory engagement with Central Bank of Ireland or equivalent.
• Experience mentoring compliance staff and driving operational improvements in a live, regulated environment.
• Strong analytical skills with comfort handling data and board-ready reporting.
• Excellent written and verbal communication; translate regulatory text into business guidance.
• Ability to operate in a fast-moving, evolving regulatory/business environment.

Responsibilities

• Own the Irish AML/CFT programme end to end including policy, procedures, and training.
• Act as designated MLRO (PCF52) and manage STRs reporting.
• Lead liaison with Central Bank of Ireland, FIU Ireland, and banking partners.
• Oversee AML/CFT audits and remediation tracking.
• Prepare board-level MI and compliance reports.
• Collaborate with global compliance to embed Irish rules in the group framework.
• Use AI tools to accelerate drafting of regulatory documents with self-validation.

Skills

MLRO duties

Regulatory engagement

Ireland/EU rules

Data analytics

Board reporting

Regtech awareness

Leadership mentoring

Job description

Ambition has no passport. That belief is why LemFi exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were.

About the role

LemFi is the financial engine for people the world was not built to serve - we move money, store it, grow it, and lend it across 21 countries and counting. Our Irish entity is a regulated payment institution under the Central Bank of Ireland, and as we grow across Europe this licence becomes more critical by the day. We need a designated MLRO (PCF52) who can own the Irish compliance function with confidence, be the face of LemFi with the CBI and FIU Ireland, and keep our AML/CFT programme sharp enough to withstand serious regulatory scrutiny.

This is not a policy-maintenance role. You will sit on the compliance leadership team, contribute to the group framework, and be the expert voice the business leans on when Irish and EU regulatory requirements shift. You will manage relationships with banking and payments partners, submit STRs and regulatory filings, and hold the line on standards - while staying genuinely collaborative with a team that moves fast.

What you'll build and own

• Own the Irish AML/CFT programme end to end - policy, procedures, controls, training, and MI - ensuring full alignment with the Criminal Justice Acts 2010 to 2021, CBI guidelines, and EU AML directives as transposed into Irish law.

• Act as designated MLRO (PCF52): receive, assess, and report suspicious transactions to FIU Ireland and ROS, and oversee the investigation, escalation, and documentation of all STRs.

• Be the primary point of contact with the Central Bank of Ireland, FIU Ireland, banking partners, and other competent authorities - managing inspections, correspondence, notifications, and licensing obligations.

• Lead and manage internal and external AML/CFT audits, own the remediation tracker, and make sure findings are closed properly and on time.

• Prepare board-level MI and compliance reports that give Directors and Senior Management a clear, honest picture of the Irish risk environment - not sanitised summaries.

• Collaborate with global compliance counterparts to embed Irish regulatory requirements into the group framework, and support wider LemFi Group compliance initiatives as they arise.

• Use AI tools to accelerate drafting of regulatory correspondence, policy documents, and compliance reports - applying rigorous self-validation before anything goes out the door.

Your experience

• At least 5 years in a senior compliance or MLRO role within an Irish or EU-regulated financial services or payments institution, with direct PCF or CF designation experience strongly preferred.

• Comprehensive, working knowledge of the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010 to 2021, CBI AML/CFT requirements, and the EU AML Directives as transposed into Irish law.

• Proven track record of direct regulatory engagement with the Central Bank of Ireland or equivalent competent authority - inspections, supervisory queries, licensing applications.

• Experience managing or mentoring compliance staff and driving operational improvements in a live, regulated environment.

• Strong analytical skills with comfort handling data: able to review MI, identify patterns in transaction monitoring outputs, and present findings clearly to a Board.

• Excellent written and verbal communication skills - you can translate dense regulatory text into clear business guidance and write board-ready reports without a communications team.

• Demonstrable ability to operate in a fast-moving, ambiguous environment where the regulatory rulebook and the business are both evolving simultaneously.

Nice to have

• CAMS certification or equivalent professional AML qualification.

• Experience working within a group compliance structure across multiple jurisdictions.

• Familiarity with regtech or transaction monitoring platforms used in payments or remittance businesses.

Why Join LemFi?

Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down.

Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours.

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Recruitment Agencies Notice

LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.