Compliance Manager

Compliance Manager

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

4 days per week in the office

About Tripadvisor

The Tripadvisor Group connects people to experiences worth sharing and aims to be the worlds 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 theCentral Bank of Ireland (CBI) supporting the Tripadvisor marketplace ecosystem acrossEurope. OPEL is subject to the full scope of CBI supervisory requirements includingsafeguarding AML/CFT outsourcing governance and applicable Fitness and ProbityConduct Standards and Individual Accountability Framework requirements.

Why this job is excellent

Owl Payments Europe is seeking an experienced Compliance Manager to act as Deputy tothe Chief Compliance Officer and Money Laundering Reporting Officer (PCF-12 andPCF-52). This is a non-PCF operational role. The CCO/MLRO retains primary regulatoryaccountability to the Central Bank of Ireland and the Compliance Manager acts in adelegated capacity in support of that directly to the CCO/MLRO the Compliance Manager will provide operationalleadership across OPELs regulatory compliance and AML/CFT framework drive thecompliance monitoring programme support regulatory engagement and ensure complianceobligations are understood and embedded across the organisation.

This role is suited to a compliance professional with a strong track record in a regulatedPayment Institution or Electronic Money Institution who can translate regulatoryrequirements into practical proportionate operational processes and engage credibly withsenior management the CBI and external auditors

What youll do

Compliance Framework and Governance

• Support the CCO/MLRO in implementing and maintaining OPELs 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

AML / Financial Crime Oversight

Support the MLRO in overseeing the firms AML/CFT framework including:

• Support the CCO/MLRO in discharging OPELs AML/CFT obligations acting asDeputy 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.

Safeguarding Oversight

• Maintain 2LOD oversight of OPELs safeguarding obligations under the EuropeanCommunities (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

Regulatory Engagement

• Support interactions with the Central Bank of Ireland and other relevant authoritiesincluding 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 OPELs periodic regulatory submissions including the Operational Risk and Security Return and other CBI reporting obligations.

Outsourcing and Third-Party Compliance

• Provide compliance oversight of OPELs outsourcing arrangements in accordancewith 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.

Cross functional collaboration

• Work closely with Technology Operations Legal and Product teams to ensurecompliance considerations are integrated into business processes system design
  and infrastructure changes.
• Provide 2LOD input on technology change management where changes carryregulatory or financial crime implications.
• Support compliance requirements within payments infrastructure transaction monitoring systems and regulatory reporting frameworks.
• Maintain awareness of DORA obligations and support OPELs operational resilience compliance posture

Training and Culture

• Deliver internal training programmes covering AML financial crime regulatory compliance and conduct risk.
• Promote a culture of compliance and risk awareness across the organisation.

What were looking for

• 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 yearsfocused 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 topayment institutions including SI 6/2018 the Criminal Justice (Money Laundering
  and Terrorist Financing) Acts 2010 to 2024 as amended CBI AML/CFT Guidelinesand 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

Essential requirements

• 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.

Why join Owl Payments Europe

This is an opportunity to play a meaningful role in the compliance leadership of a CBI-regulated Payment Institution operating within a global travel and experiences will work closely with senior leadership and gain broad exposure to regulatory strategypayments infrastructure financial crime risk management and cross-border regulatory
engagement.
OPEL offers a collaborative working environment where compliance is valued as a strategicfunction. You will contribute directly to the firms regulatory standing and help shape itscompliance culture as it continues to grow.

The Tripadvisor Group connects people to experiences worth sharing and aims to be the worlds 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 and TheFork.

Job Location: On-site

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

What We Offer

• Competitive compensation packages (routinely benchmarked against the latest industry data) including base salary and annual bonuses
• Work your way with flexibility to suit your lifestyle. Tripadvisor Group takes a remote-friendly approach to collaboration across a worldwide team with the option to join on-site as often as youd like or as required by your team.
• Flexible schedule. Work-life balance is ingrained in our culture by design. Trust and accountability make it work.
• Donation matching. Give back Give more! We match qualifying charitable donations annually.
• Tuition assistance. Want to level up your career We love to hear it! Receive annual support for qualified programs.
• Lifestyle benefit. An annual benefit to spend on yourself. Use it on travel wellness or whatever suits you.
• Travel perks. We believe that travel is employee development so we provide discounts and more.
• Employee assistance program. Were here for you with resources and programs to help you through lifes challenges.
• Health benefits. We offer great coverage and competitive premiums.
• 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 elses 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

If you have any additional questions about careers at Tripadvisor you can email us at We have all the answers!

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