Regulatory Compliance Manager – EU

ACE Money Transfer Limited; Kharian; Remote; PKR 33,250,000 - 49,875,000; Full time

Job summary

ACE Money Transfer is seeking an experienced Regulatory Compliance Manager – EU to provide independent oversight and assurance of regulatory compliance across ACE Money Transfer Ireland Limited. You will work with the Head of AML & Compliance and Legal to implement regulatory requirements, monitor the Compliance Monitoring Plan and report findings to senior management.

The role demands deep knowledge of Irish and EU frameworks, risk-based monitoring, and the ability to challenge business

Qualifications

• 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.
• 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.
• Experience in 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.
• 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 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.

Skills

Regulatory compliance

Compliance monitoring

Regulatory governance

Education

Bachelor's degree in Law/Business/Finance

Job description

About The Role

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.

Responsibilities

Regulatory Change & Horizon Scanning

• 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

Regulatory Compliance Oversight

• 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

Policy & Procedure Review

• 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

Compliance Monitoring & Assurance

• 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

Regulatory Advisory & Training

• 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

Reporting, Escalation & Governance

• 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

Requirements

Qualifications & Experience

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

Soft Skills & Leadership

• Regulatory judgement: interprets requirements, identifies gaps and gives practical recommendations
• Independent challenge: confidently challenges business functions and influences corrective action
• Analytical thinking and report writing: produces clear, evidence-based findings and reports
• Communication: presents findings to senior management and governance committees with confidence
• Stakeholder management: builds strong working relationships across business, Legal and Internal Audit
• Organisation: manages several priorities with strong attention to detail
• Integrity: upholds high ethical standards and promotes a strong compliance culture

Job Details

• Location: Pakistan
• Job Type: Remote
• Working Hours / Shift: 01:00 PM to 10:00 PM PKT
• Department: Compliance

About ACE Money Transfer

ACE Money Transfer is a UK-based multinational fintech headquartered in Manchester, United Kingdom. We provide fast, secure and affordable online remittance services to customers in 29 countries across the UK, Europe, Canada and Australia, and we enable cross-border money transfers to 100+ countries worldwide.

Every day, our platform helps people support their families, pay for education and build better futures across borders. As part of the wider ACE Group, we combine a fast-paced growth culture with strong regulatory standards and a commitment to innovation in digital payments.

At ACE you will work with talented, diverse teams across multiple regions and take real ownership of work that matters. You will also help shape the future of global money movement.

Learn more: ACE Money Transfer Company Profile