Group Deputy MLRO | Financial Crime

• Deputise for the MLROs, exercising delegated authority where appropriate and ensuring continuity of AML/CTF oversight, escalation and decision-making.
• Lead the ongoing development and effectiveness of the Group’s AML/CTF framework, including policies, standards, risk assessment methodologies and control expectations.
• Provide expert advice and constructive challenge to senior management and governance forums on material financial crime risks, regulatory requirements and the effectiveness of controls.
• Oversee the identification, assessment and timely resolution of significant AML/CTF control weaknesses, incidents, thematic findings and emerging risks.
• Lead and support engagement with regulators, Internal Audit and assurance teams, ensuring responses are clear, accurate, evidence-based and followed through to completion.
• Lead strategic AML/CTF change, including interpreting Irish and EU regulatory developments and translating these into improvements across systems, data, processes and controls.
• Strengthen financial crime capability across the Group through technical leadership, coaching, knowledge sharing and collaboration.

• Provide senior AML/CTF advice and oversight across Group Compliance and relevant business and operational areas.
• Act as a key deputy to the MLROs across ILA, ILFS and Group, helping to ensure effective oversight and escalation of material financial crime matters.
• Work closely with senior governance forums, accountable executives and control owners on risk appetite, remediation priorities and control effectiveness.
• Lead or make a significant contribution to complex regulatory, risk, systems, data and operating model change.
• Provide leadership and guidance across AML activities, including to colleagues who may not directly report to the role.

This role operates with a high level of autonomy within the Group’s AML/CTF framework, delegated authorities and agreed risk appetite.

You will use your experience and judgement to assess material financial crime matters, determine the appropriate level of challenge or escalation and develop practical, proportionate recommendations. Where authority has been delegated, you may also act on behalf of the MLROs.

You will work across complex and often cross-functional issues, balancing regulatory obligations with customer and operational outcomes, data quality, control effectiveness and reputational risk.

Significant strategic, regulatory or risk appetite decisions will be escalated to the relevant MLRO and governance forums.

Internal: ILA MLRO; ILFS MLRO; Head of Group Compliance; Group Executive Compliance Manager; Group Compliance Leadership; Financial Crime teams; Risk; Legal; Internal Audit; business and operational control owners; and senior governance forums.

External: Relevant regulators and supervisory bodies; external auditors and assurance providers; and industry or specialist advisers, where appropriate.

We are looking for someone who can bring:

• Strong specialist knowledge of AML/CTF regulation, financial crime risk management, control frameworks, governance and regulatory expectations.
• Experience leading or playing a key role in complex financial crime, risk, compliance or control activities within a regulated environment.
• The ability to interpret regulatory developments and turn them into practical and proportionate policies, controls and change requirements.
• Strong judgement and the confidence to provide constructive challenge and influence senior stakeholders.
• The ability to build effective working relationships and collaborate across different teams and areas of the organisation.
• Excellent written and verbal communication skills, with the ability to explain complex or sensitive matters clearly and provide well-considered recommendations.
• A relevant professional qualification or equivalent specialist expertise is desirable.
• Any required regulatory fitness and propriety assessment will be subject to confirmation.