Compliance Manager – Consumer and Privacy Programmes

Role Title: Compliance Manager – Consumer and Privacy Programmes

Reports to: Global Head of Regulatory Compliance

Location: London or Ireland / Hybrid

Job Type: Permanent

Who is EML

EML is a fast-moving, global fintech on a mission to make payments awesome — instant, secure, and seamless. We connect our customers to their customers, wherever Money is in Motion.

We’re not your traditional payments provider. As an issuer and processor, we deliver smart, flexible alternatives to banking — from reloadable to non-reloadable cards — all tailored to fit. We move fast, think big, and partner closely with our clients to make it happen.

Innovation is in our DNA. We’re built on collaboration, driven by curiosity, and focused on doing things better every day.

At EML, you won’t be asked to fit in — we’ll help you stand out.

The Team

The Risk & Compliance team at EML believes in rolling up their sleeves and getting things done. At EML, we don't subscribe to ivory tower compliance – the organisation seeks a hands-on leader who will engage across the organisation and understand the practical impacts and outcomes of their work.

The Risk & Compliance team at EML is divided into two overarching teams:

1. Country Risk & Compliance – hold broad responsibilities within their countries/regions and where applicable hold designated titles (such as SMF or PCF designations). They are supported in the execution of their functions and activities by a global team of specialists but maintain ultimate decision-making authority and control via oversight of all parts of programmes and activities that impact on their country/region.
2. Global Risk & Compliance – narrowly focussed specific functions or areas, providing deep subject matter expertise, framework design and execution support and standardisation across the group in the areas of Regulatory Compliance, Risk Management and Strategy, Testing and Assurance, Regulatory Engagement and Reporting, and Privacy and Consumer Protection.

The Compliance Manager – Consumer and Privacy Programmes is a global specialist role, operating and coordinating across multiple jurisdictions and entities to ensure customer- centric and privacy-compliant practices across the business.

The Role

We are looking for a dedicated and experienced individual to lead EML’s global consumer protection and privacy compliance programmes. Based in London or Ireland, this role is critical to ensuring that EML maintains strong compliance with global data protection regulations and consumer protection requirements across all markets.

This role will support the development, implementation, and ongoing enhancement of frameworks that safeguard consumer rights, ensure responsible data handling practices, and uphold regulatory expectations in every jurisdiction where EML operates.

What You’ll Do

Consumer Protection Programme Management

• Design, implement, and maintain a global consumer compliance framework that aligns with applicable regulatory obligations and best practices.
• Monitor and assess consumer-related regulatory developments across key markets (UK, EU, APAC, and North America).
• Lead the development of consumer-focused compliance policies, procedures, and controls.
• Ensure compliance oversight and testing of customer disclosures, product terms, and customer service standards.
• Support customer complaint handling frameworks, ensuring alignment with regulatory expectations and escalation processes.
• Partner with Product and Operations teams to embed consumer protection considerations in design and delivery.

Privacy Compliance Oversight

• Serve as the primary contact for all data protection queries and escalations; liaison between all teams and the outsourced Data Protection Officer (“DPO”).
• Support the DPO and Country Risk & Compliance teams in implementing and enhancing data privacy and protection programmes.
• Under the support and guidance of the DPO, oversee compliance with key global privacy laws, including GDPR, UK Data Protection Act, CCPA and equivalents.
• Lead development and execution of privacy risk assessments, DPIAs, and vendor privacy due diligence.
• Manage the DPO mailbox and respond timely to all privacy matters including data subject access requests (DSARs),data deletion requests and regulator inquiries regarding privacy matters.
• Promote privacy by design principles in partnership with Product, Tech, and Legal teams.
• Deliver training programmes to improve awareness and adherence to consumer protection and data privacy requirements.

Stakeholder Management and Reporting

• Work closely with senior stakeholders from all three lines of defence to ensure the effective and impactful delivery of consumer compliance programmes.
• Collaborate with assurance and testing teams to design and execute monitoring and testing activities related to consumer and privacy controls; lead root cause analysis and action plan tracking for findings and control gaps.
• Develop reporting to senior management and boards on key metrics, incidents, themes, and regulatory developments.
• Collaborate across functions including Product, Technology, Legal, Operations, and Country Risk & Compliance to embed and support compliance programmes.

What You’ll Bring

• Compliance Experience: Experience building and managing consumer or privacy compliance programmes. Experience working with and coordinating outsourced DPO services preferred. Proven ability to translate complex regulatory requirements into practical business solutions
• Environment: Demonstrable experience in global, matrixed environments, including coordinating across time zones, cultures, and reporting lines; preferably in a payments or fintech environment.
• Knowledge: Understanding of multiple consumer and data protection regulatory frameworks across key jurisdictions (EU, UK, APAC and US), including the ability to interpret and apply common principles across jurisdictions. Strong knowledge of consumer protection frameworks and global privacy regulations (e.g., GDPR,CCPA). Professional certifications such as from the International Compliance Association (ICA), or other relevant credentials preferred.
• Technical: Experience with compliance GRC, DPIA, ROPA and privacy management technologies and automation tools.Strong project management skills with experience leading cross-functional initiatives.
• Team: Strong communication and influencing skills, capable of working with senior leaders across business and risk domains.

What’s in it for You

• Recharge and Give Back: 25 days annual leave, 2 volunteering days, your birthday off – plus 5 extra ‘Take5’ days when you’ve used your core leave!
• Global Opportunities: Collaborate across Australia, the UK, North America, and Europe
• Work Your Way: Hybrid working that fits your lifestyle and empowers smarter working.
• Family First: Enhanced family leave options with 12-weeks full pay for Primary Caregivers, and 4-weeks full pay for Secondary Caregivers.
• Invest in You: We cover your professional memberships and offer a competitive pension scheme*.
• Wellbeing Matters: Private medical insurance *, long-term illness cover, and life assurance.
• Perks & Rewards: [Short-term bonus scheme/Commission plans*], Cycle2Work, 24/7 Employee Assistance Programme, and exclusive discounts via Spectrum.Life’s BenefitsHub.

*Some benefits are subject to eligibility criteria.

Company Culture and Values

At EML, we move fast, think big, and build smart. We’re a fintech that thrives on fresh ideas, bold thinking, and getting things done — together.

We’re powered by four values that keep us focused, fast, and fearless:

• One Team – We back each other, move as one, and win together.
• Openness – We share ideas, speak up, and stay curious.
• Awesomeness – We bring the spark — bold thinking, great energy, and pride in what we do.
• Simplicity – We cut through the noise and focus on what matters.

Company Structure

EML is an ASX listed company head quartered in Brisbane, Australia, with approximately 500 employees throughout Australia, Europe, the UK, and America.

EEO Statement

Integrated into our Core Values is EML's commitment to diversity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and encouraged to strive to reach their full potential.

We believe in understanding and respecting differences. This concept encompasses but is not limited to human differences with regard to race, ethnicity, religion, gender, culture, and physical ability. Every individual at EML has an ongoing responsibility to respect and support a globally diverse environment.