Risk and Compliance Officer

We Dream. We Design. We Deliver.

This is the place where you’ll be hands on. Where new ideas are welcomed and expected.

At every level – and in every role – we’re doers and builders.

hummgroup (ASX-HUM) is one of Australasia’s most successful and enduring fintech organisations with a proud legacy of rewriting the playbook for digital spending. We help people buy everything, everywhere, every day. Our product ecosystem of buy now pay later, credit cards, and business financing products has been designed around the core needs of today's shoppers, retailers, and small and medium enterprises.

About the Team

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

The Risk and Compliance Officer is a critical team member within this team who not just helps to ensure compliance with relevant regulatory obligations but also sets standards and evolves and promotes a culture of improved risk and compliance management.

About the Role

The Risk and Compliance Officer will play a key role in safeguarding the firm’s compliance with Irish and EU regulatory requirements, with particular focus on consumer protection.

The role is responsible for evolving and executing a risk-based Compliance Monitoring Programme, ensuring alignment with the Central Bank of Ireland’s Consumer Protection Code 2025 (CPC 2025), which places heightened emphasis on consumer outcomes, transparency, fairness, and vulnerability protections.

Reporting directly to the Head of Risk & Compliance & MLRO, the Risk and Compliance Officer will use their analytical skills to operate with a high degree of autonomy and independence and will provide high-quality risk and compliance evaluations and advice to help ensure that the firm meets its ongoing regulatory obligations.

The role requires the ability to be flexible, learn quickly when facing new problems, being open minded, highly adaptable to change and the ability to quickly grasp new ideas.

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, with emphasis on:

• 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 regulatory 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 escalate 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

• Be committed to building a strong risk and compliance culture helping to prioritise securing customers interests in line with CPC 2025 expectations
• Support and deliver risk and compliance training initiatives
• Encourage proactive identification and escalation of risks
• Liaise and build strong relationships with internal stakeholders

About You …

You’ve got an eye for detail, have a curious mindset with demonstrated experience in judgement and decision making. You have excellent time management, business writing and communication skills with attention to detail. You have an appetite to learn, add value, multitask and be flexible.

• A minimum of 2 years + 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 a compliance and risk management, auditing, quality assurance, or legal with a good level of industry experience or equivalent is desirable.