--- title: 'Head of Operations - Ireland (COO - PCF-42) at LemFi' canonical: 'https://feeny.ai/job/head-of-operations-ireland-coo-pcf-42-lemfi-dublin-t1gqmnbwxsmx' type: 'job' last_seen: '2026-09-07' --- # Head of Operations - Ireland (COO - PCF-42) at LemFi - **Company:** LemFi - **Location:** Dublin, Ireland - **Compensation:** €110k–€130k - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-09-03 - **Last confirmed live:** 2026-09-07 - **Apply:** https://jobs.ashbyhq.com/lemfi/51635316-a29e-4901-9282-367d1493c780 ## Job description LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. ## About the role LemFi is the financial engine for people the world wasn't built to serve. We move money across ~21 countries, and our regulated European hub, operating as a licensed Payment Institution in Ireland, sits at the centre of how we deliver on that mission for millions of customers. As Chief Operating Officer (PCF-42), you hold direct accountability for every part of LemFi Europe's operational performance, from transaction processing and payment flows to outsourcing governance and operational resilience under DORA. You will be a named Pre-Approval Controlled Function with the Central Bank of Ireland, which means you bring not just the operational horsepower to scale a fast-moving fintech, but the regulatory credibility and personal conduct standards the CBI expects of senior leaders in a licensed firm. ## What you'll build and own - Own the end-to-end operational performance of LemFi Europe: transaction processing, customer operations, payment flows, reconciliations, and service delivery, holding the business to measurable quality and availability standards. - Lead operational resilience in line with DORA, covering ICT governance, incident management, business continuity, and outsourcing oversight, so we never let a preventable disruption reach our customers. - Drive a data-led operating model, using insight and AI-assisted analysis to surface control weaknesses, prioritise improvements, and report clearly to the Board, the CBI, and internal PCFs. - Govern all vendor and outsourcing arrangements to CBI Outsourcing Guidelines and EBA ICT standards, maintaining a register of critical providers and owning escalation when partners underperform. - Partner with the MLRO on AML/CFT operational controls, ensuring detection and reporting systems are effective and compliant with the CJA framework. - Support the Head of Risk, Head of Compliance, and MLRO by ensuring operational controls, processes, and data flows give each PCF what they need to meet their regulatory obligations. - Shape a culture of accountability, integrity, and customer focus consistent with CBI conduct expectations, setting the tone across a cross-functional team in a high-growth environment. ## Your experience - 8 or more years in payments, fintech, money remittance, or regulated financial services, with meaningful time in an executive or senior leadership role carrying direct regulatory accountability. - Deep hands-on experience in operational management: transaction processing, customer operations, payment processor relationships, and critical ICT vendor oversight. - Personal familiarity with the Central Bank of Ireland regulatory framework, PSR requirements (safeguarding, refund rights, service reliability), and DORA, ideally from a PCF or equivalent named-person role. - Proven ability to design scalable, controls-led processes and to identify and remediate control weaknesses before they become regulatory findings. - Track record of communicating with Boards, regulators, and external partners, translating operational complexity into clear, evidence-based narrative. - Demonstrated ability to lead and influence cross-functional teams and foster a culture of constructive challenge and high professional standards in a fast-moving, ambiguous environment. ## Nice to have - Prior experience as a named PCF or equivalent Senior Manager Function (SMF) at a regulated Payment Institution or EMI. - Background in AML/CFT operational frameworks within an Irish or broader EU-regulated entity. - Experience scaling operations across multiple markets simultaneously. WHY JOIN LEMFI? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android. ## About LemFi ## Company Overview - **One-liner**: LemFi is a financial technology company that provides multi-currency wallets and international payment services tailored for immigrants and the Global South. - **Entity Type**: Private (Venture Capital-Backed) - **Headquarters**: Toronto, Canada (also has offices in Oakland, California and London, UK) - **Founded**: 2020 - **Founders**: Not publicly listed on the main company page, but former known as Lemonade Finance. ## Core Business - Primary industry: Financial Services / FinTech (International Payments and Remittances) - Target customers: B2C — primarily immigrants and diaspora communities, with a focus on serving the Global South. They also offer B2B capabilities for international payment needs. - Mission/Purpose: *"To improve the financial life of the next generation of immigrants."* The company focuses on solving the financial hurdles people face when moving to a new country. ## Products & Services - **International Money Transfer**: Send money to 30+ countries with zero transfer fees and competitive exchange rates. - **Multi-Currency Wallet**: Open and manage accounts in multiple currencies, with the ability to convert and hold funds. - **Request Money**: Send payment requests or share a payment link for easy collections. - **eSIM**: "Instant Connection, Anywhere you go" — providing mobile connectivity services for travelers and immigrants. ## Market Standing - **Valuation**: Not publicly disclosed. - **Key Metric**: Total funding raised of approximately **$85.6M** (per PitchBook). - **Customers**: Over **1,000,000+ customers** as of their last update. - **Notable Investors/Partners**: Backed by 45 investors including **Armyn Capital, Endeavor Catalyst, Highland Europe, Silverbacks Holdings, and Stonewater Ventures**. They have partnerships with Visa (cross-border payments), ClearBank (agency banking services), and have recently hired former OPay COO, Allen Qu, to lead China expansion. - **Growth Signals**: - Headcount growth: Over 200+ employees (300 per PitchBook, 121 on Built In). - Expanded to serve China and South Asia. - High-growth trajectory with a focus on remittance-heavy corridors (UK, US, Canada). - **Recent Deal**: Merged with Pillar (Financial Software) in June 2025 (per PitchBook). ## Competitive Advantages - **Zero Fees**: Zero transfer fees and competitive exchange rates are a key differentiator in the remittance market. - **Laser Focus on Immigrants**: The company's entire product suite is designed around the immigrant experience (multi-currency wallets, requests, eSIM) rather than being a general money transfer app. - **Speed**: "Usually delivered in minutes" — faster than traditional remittance services. - **Strong Backing**: A large, high-quality investor base (45 investors) and strategic partnerships (Visa, ClearBank) provide a solid moat. - **Experienced Team**: Team members come from top companies including Monzo, Opera, Kraken, Kaufland, Uber, and Andela. ## Strategic Focus - **Global Expansion**: Explicit focus on entering China, South Asia, and other key corridors for immigrants. - **Product Ecosystem**: Moving beyond simple transfers into multi-currency wallets, payment requests, and mobile connectivity (eSIM). - **Scale Infrastructure**: Hiring key leadership (VP of Growth, Head of Finance & Business Intelligence, VP of Cards) to professionalize operations and build for scale. - **Partnerships**: Deepening relationships with Visa and banks to expand reach and capabilities. ## Why Work Here - **Remote/Hybrid/Office**: The company supports a hybrid and remote work model. Offices in Oakland (US), London (UK), and Toronto (Canada). - **Culture & Perks**: Described as a high-growth, mission-driven environment building a product for a tangible impact on immigrants' lives. - **Team Size & Growth**: The company is on a strong growth trajectory (from 121 to 300 employees in a short period), offering significant upside for early employees. - **Engineering & Product Focus**: The team includes roles like VP of Cards and Head of Infrastructure, suggesting a strong technical spine. - **Diverse Locations**: Opportunities to work in Canada, the UK, the US, Nigeria, and the Philippines, reflecting a truly global operation. ## Sources 1. [lemfi.com](https://lemfi.com/) 2. [lemfi.com/en-at/about](https://lemfi.com/en-at/about) 3. [jobs.ashbyhq.com/lemfi](https://jobs.ashbyhq.com/lemfi) 4. [builtin.com/company/lemfi](https://builtin.com/company/lemfi) 5. [pitchbook.com/profiles/company/458201-62](https://pitchbook.com/profiles/company/458201-62) ## Other roles at LemFi - [MLRO, Ireland (PCF-52)](https://feeny.ai/job/mlro-ireland-pcf-52-lemfi-dublin-0c32zy4g4pwk) — Dublin, Ireland - [Growth Manager - US to Ghana](https://feeny.ai/job/growth-manager-us-to-ghana-lemfi-united-states-nv5xmt3n4xrt) — United States - [Head of Credit Finance](https://feeny.ai/job/head-of-credit-finance-lemfi-london-yvzcpdrhmram) — London, United Kingdom - [People Operations Coordinator](https://feeny.ai/job/people-operations-coordinator-lemfi-london-7geaaqx9pn1g) — London, United Kingdom - [Senior Accountant - LemFi Europe](https://feeny.ai/job/senior-accountant-lemfi-europe-lemfi-dublin-77k2tg0hw6hk) — Dublin, Ireland - [Staff Data Scientist](https://feeny.ai/job/staff-data-scientist-lemfi-london-rgb8ya5e3xn9) — London, United Kingdom - [Senior Manager, Collections](https://feeny.ai/job/senior-manager-collections-lemfi-london-5smcggracvg0) — London, United Kingdom - [Security Engineer](https://feeny.ai/job/security-engineer-lemfi-london-mjp9jze6zdfr) — London, United Kingdom - [Reconciliation Specialist](https://feeny.ai/job/reconciliation-specialist-lemfi-united-kingdom-y03fz7z174j7) — United Kingdom - [Senior Reconciliation Specialist](https://feeny.ai/job/senior-reconciliation-specialist-lemfi-united-kingdom-mx9qxjakhwd9) — United Kingdom