---
title: 'MLRO, Ireland (PCF-52) at LemFi'
canonical: 'https://feeny.ai/job/mlro-ireland-pcf-52-lemfi-dublin-0c32zy4g4pwk'
type: 'job'
last_seen: '2026-09-07'
---

# MLRO, Ireland (PCF-52) at LemFi

- **Company:** LemFi
- **Location:** Dublin, Ireland
- **Compensation:** €120k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-03
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.ashbyhq.com/lemfi/b8752748-02fc-4bc9-84b1-f55a96a8edb1

## 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 was not built to serve - we move money, store it, grow it, and lend it across 21 countries and counting. Our Irish entity is a regulated payment institution under the Central Bank of Ireland, and as we grow across Europe this licence becomes more critical by the day. We need a designated MLRO (PCF52) who can own the Irish compliance function with confidence, be the face of LemFi with the CBI and FIU Ireland, and keep our AML/CFT programme sharp enough to withstand serious regulatory scrutiny.

This is not a policy-maintenance role. You will sit on the compliance leadership team, contribute to the group framework, and be the expert voice the business leans on when Irish and EU regulatory requirements shift. You will manage relationships with banking and payments partners, submit STRs and regulatory filings, and hold the line on standards - while staying genuinely collaborative with a team that moves fast.

## What you'll build and own

- Own the Irish AML/CFT programme end to end - policy, procedures, controls, training, and MI - ensuring full alignment with the Criminal Justice Acts 2010 to 2021, CBI guidelines, and EU AML directives as transposed into Irish law.
- Act as designated MLRO (PCF52): receive, assess, and report suspicious transactions to FIU Ireland and ROS, and oversee the investigation, escalation, and documentation of all STRs.
- Be the primary point of contact with the Central Bank of Ireland, FIU Ireland, banking partners, and other competent authorities - managing inspections, correspondence, notifications, and licensing obligations.
- Lead and manage internal and external AML/CFT audits, own the remediation tracker, and make sure findings are closed properly and on time.
- Prepare board-level MI and compliance reports that give Directors and Senior Management a clear, honest picture of the Irish risk environment - not sanitised summaries.
- Collaborate with global compliance counterparts to embed Irish regulatory requirements into the group framework, and support wider LemFi Group compliance initiatives as they arise.
- Use AI tools to accelerate drafting of regulatory correspondence, policy documents, and compliance reports - applying rigorous self-validation before anything goes out the door.

## Your experience

- At least 5 years in a senior compliance or MLRO role within an Irish or EU-regulated financial services or payments institution, with direct PCF or CF designation experience strongly preferred.
- Comprehensive, working knowledge of the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010 to 2021, CBI AML/CFT requirements, and the EU AML Directives as transposed into Irish law.
- Proven track record of direct regulatory engagement with the Central Bank of Ireland or equivalent competent authority - inspections, supervisory queries, licensing applications.
- Experience managing or mentoring compliance staff and driving operational improvements in a live, regulated environment.
- Strong analytical skills with comfort handling data: able to review MI, identify patterns in transaction monitoring outputs, and present findings clearly to a Board.
- Excellent written and verbal communication skills - you can translate dense regulatory text into clear business guidance and write board-ready reports without a communications team.
- Demonstrable ability to operate in a fast-moving, ambiguous environment where the regulatory rulebook and the business are both evolving simultaneously.

## Nice to have

- CAMS certification or equivalent professional AML qualification.
- Experience working within a group compliance structure across multiple jurisdictions.
- Familiarity with regtech or transaction monitoring platforms used in payments or remittance businesses.

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

- [Head of Operations - Ireland (COO - PCF-42)](https://feeny.ai/job/head-of-operations-ireland-coo-pcf-42-lemfi-dublin-t1gqmnbwxsmx) — 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