ACE MONEY TRANSFER IE LTD
Deputy Money Laundering Reporting Officer
Dublin, Ireland (Hybrid) | Permanent, Full-Time | CBI-Regulated Payment Institution
Role
Deputy Money Laundering Reporting Officer (Deputy MLRO)
Location
Dublin, Ireland (Hybrid)
Contract
Permanent, Full-Time
Benefits
Pension, healthcare, annual leave, CPD support & AML certification funding
ACE Money Transfer IE Ltd (AMTL) is a fast-growing, CBI-regulated payment institution and the European hub of the ACE Money Transfer group — one of the UK’s leading international remittance providers, founded in 2002 and trusted by diaspora communities across South Asia, Africa, and beyond. Operating across 19 EEA markets and growing, AMTL connects customers to their families with speed, transparency, and reliability.
This is a high-impact senior role at the heart of AMTL’s financial crime function. As Deputy MLRO, you will support the Head of AML/Compliance in upholding AMTL’s AML/CFT obligations under the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (as amended) and the Central Bank of Ireland’s AML/CFT Guidelines for the Financial Sector.
You will own the day-to-day operation of the AML/CFT framework, lead suspicious transaction reporting, support CBI regulatory engagement, and help embed a culture of financial crime awareness across a business that is scaling rapidly. The role offers genuine autonomy, direct Board-level visibility, and a clear path within AMTL’s growing leadership team.
AML/CFT Framework and Governance-
Assist the Head of AML/Compliance in implementing and maintaining AMTL’s AML/CFT framework in line with CBI requirements and applicable EU AML directives.
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Support the Head of AML/Compliance in discharging governance obligations, including preparation of independent management information and Board-level AML/CFT reporting.
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Prepare the annual MLRO/Compliance Officer report and ongoing Board-level management information on AML/CFT matters, risk indicators, and typology trends.
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Conduct gap analyses on regulations and guidance published by the CBI, EBA, and FATF, ensuring AMTL’s AML/CFT framework remains aligned with CBI supervisory expectations and applicable EU AML standards.
CBI Regulatory Engagement and Supervision-
Assist in preparing for and managing CBI AML/CFT inspections, Risk Evaluation Questionnaires (REQs), and regulatory engagement with the CBI’s Financial Crime Division.
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Act as a primary point of contact for CBI queries relating to AML/CFT matters, supporting the Head of AML/Compliance in all regulatory interactions.
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File periodic CBI regulatory returns including PIEMI reporting, and coordinate internal evidence-gathering for supervisory requests, on-site inspections, and ad hoc regulatory queries.
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Manage AMTL’s regulatory data reporting obligations to the CBI, including accurate and timely submission of AML/CFT-related statistical and returns data, ensuring data integrity across source systems and maintaining an audit trail for all submissions.
Suspicious Transaction Reporting-
Act as delegated person to receive internal Suspicious Transaction Reports (STRs), conduct investigations, and file reports with the Garda Financial Intelligence Unit and Revenue Commissioners as required.
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Maintain a robust end-to-end STR process connecting CDD, transaction monitoring, and STR filing, and track FIU feedback and outcomes.
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Maintain accurate STR registers and supporting documentation in line with CBI record-keeping requirements.
Customer Due Diligence and Risk Assessment-
Oversee the application of CDD, SDD, and EDD processes, ensuring controls are commensurate with AMTL’s business activities, customer profiles, and Board-approved risk appetite.
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Apply a risk-based approach to customer and transaction-level ML/TF assessments, including Enhanced Due Diligence (EDD) for PEPs and other high-risk situations, and implement CBI de-risking guidance with fully documented rationale.
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Contribute to the Business Risk Assessment (BRA), ensuring it reflects AMTL’s remittance risk profile, cross-border corridors, and evolving customer base.
Sanctions and Regulatory Compliance-
Ensure compliance with EU funds transfer regulations and Irish financial sanctions regimes, including obligations relating to designated persons and jurisdictions.
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Monitor OFAC, EU, UN, and HM Treasury sanctions lists as applicable to AMTL’s corridors, and maintain escalation procedures for potential matches.
Training, Culture and Data-
Design and deliver AML/CFT training programmes for AMTL Ireland staff, covering the BRA, internal STR reporting procedures, and whistleblowing policy, fostering a culture of financial crime awareness.
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Coordinate with the Data Protection Officer (DPO) to ensure AML/CFT data processing is compliant with GDPR and applicable data protection legislation.
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Review new products, services, and corridors for AML/CFT risks prior to launch, ensuring sign-off is embedded in AMTL’s product governance framework.
Monitoring, Testing and Assurance-
Oversee the compliance monitoring and testing programme for AML/CFT controls, ensuring findings are tracked to closure and escalated where appropriate.
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Prepare thematic reviews and post-incident assurance work as directed by the Head of AML/Compliance.
Qualifications-
Bachelor’s degree in Law, Finance, Business, or a related field.
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Professional AML certification is required: CAMS (Certified Anti-Money Laundering Specialist) or ICA International Diploma in Anti-Money Laundering. Candidates without certification but with clear commitment to obtaining it within 12 months of appointment may be considered.
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A postgraduate qualification in compliance, financial regulation, or AML is an advantage.
Experience-
Minimum 5 years’ experience in AML/CFT compliance, with demonstrable experience in an Irish or EU regulatory environment.
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Prior experience working within or alongside a CBI-regulated entity, with practical knowledge of PCF obligations and CBI supervisory expectations.
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Practical experience with the Irish AML/CFT legislative framework, CBI AML/CFT Guidelines, and CBI supervisory processes including REQs and on-site inspections.
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Experience in the money remittance, payment institution, or broader financial services sector is strongly preferred.
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Proven track record of filing STRs with the Garda FIU and engaging with law enforcement in an Irish regulated context.
Skills and Competencies-
In-depth knowledge of Irish and EU AML/CFT legislation, FATF Recommendations, and Payment Services regulations.
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Strong risk management skills to identify, assess, and mitigate ML/TF risks across AMTL’s remittance corridors and customer base.
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Advanced analytical skills to interpret complex transaction data and identify suspicious activity patterns.
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Excellent written and verbal communication skills, including the ability to present AML/CFT matters clearly to the CBI, Board, and senior management.
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Ability to operate with appropriate independence while maintaining a constructive working relationship with the wider AML team across AMTL (Ireland) and ACE (UK), and with other functions including Risk, Operations, and Product.
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Proficiency in transaction monitoring systems and financial crime compliance tools.
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High degree of personal integrity, professional judgement, and ability to manage sensitive matters with discretion.
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A pivotal, named leadership role in a CBI-regulated payment institution that is growing fast across 19 EEA markets.
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Direct CBI regulatory engagement — REQs, inspections, supervisory returns — and Board-level exposure from day one.
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Competitive Salary, pension, private healthcare, and generous annual leave.
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Hybrid working from our Dublin city centre office, with a diverse, international team spanning Ireland, UK, and beyond.
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A compliance culture that is taken seriously at the highest level , you will have the authority and support to do the role properly.
Ace Money Transfer IE Ltd is an equal opportunities employer. We welcome applications from candidates of all backgrounds.
ACE Money Transfer Profile: https://acemoneytransfer.com/company-profile
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