Risk and Compliance Officer

About the Team

The Risk and Compliance Team is an integral part of hummgroup, a regulated Retail Credit Firm in Ireland. The team must meet certain regulatory obligations.

About the Role

The Risk and Compliance Officer is a critical team member who helps ensure compliance with relevant regulatory obligations while setting standards and promoting a culture of improved risk and compliance management. The role is responsible for safeguarding the firm's compliance with Irish and EU regulatory requirements, with particular focus on consumer protection.

Key Responsibilities

• Compliance Monitoring & Testing
  • Evolve and deliver the Compliance Monitoring Plan with a strong focus on compliance against the Consumer Protection Code 2025 and other regulatory obligations.
  • Customer disclosures and transparency.
  • Customer onboarding.
  • Retailer onboarding.
  • Marketing and financial promotions.
  • Arrears handling.
  • Complaints handling and dispute resolution.
• Regulatory Change & Advisory
  • Monitor regulatory developments from authorities including the Central Bank of Ireland (CBI) and the European Banking Authority (EBA).
  • Support implementation of regulatory changes.
  • Provide real time compliance advice to key stakeholders.
• Risk & Issue Management
  • Identify, assess, and elevate consumer protection risks.
  • Help problem solve issues and track remediation actions.
  • Maintain compliance risk registers.
• Reporting & Governance
  • Produce high quality compliance monitoring reports highlighting key risks, actions to address, emerging regulatory risks, etc.
  • Report and communicate findings to Senior Management.
  • Assist with review, improvement and implementation of compliance policies and procedures.
  • Support regulatory engagement and inspections.
• Culture, Training & Consumer Focus
  • Build a strong risk and compliance culture aligned with CPC 2025 expectations.
  • Deliver risk and compliance training initiatives.
  • Encourage proactive identification and escalation of risks.
  • Liaise and build strong relationships with internal stakeholders.

About You

• You have an eye for detail, a curious mindset with demonstrated experience in judgement and decision making.
• You have excellent time management, business writing and communication skills, and attention to detail.
• You have an appetite to learn, add value, multitask and be flexible.
• Minimum of 2+ years of compliance experience within the Financial Services sector (good familiarity with the Consumer Protection Code is an advantage).
• Regulatory knowledge: an understanding of the legal and regulatory landscape within financial services.
• Strong report writing skills and computer literacy.
• Excellent verbal and written communication skills.
• Proven ability to work independently, meet deadlines and deliverables, and think critically and analytically.
• A tertiary qualification in compliance and risk management, auditing, quality assurance, or legal with a good level of industry experience or equivalent is desirable.