Stephen Doheny
Summary
Internal Audit Manager with extensive international experience across all defense lines. Proven track record in enhancing internal control frameworks and leading global audit projects. Expertise in AML/CTF and compliance at the senior management level, with a focus on regulatory compliance and operational efficiency. Recognized for a results-driven approach, and a strong commitment to both individual and team excellence.
Overview
7
7
years of professional experience
Work History
Internal Audit Manager
Remitly
Cork
04.2025 - Current
- Managed and coordinated internal audits, assessing compliance with policies and regulations across multiple jurisdictions, focusing on AML, sanctions, and safeguarding.
- Coordinated with teams and senior stakeholders across multiple jurisdictions.
- Prepared and assisted with drafting of Board Reports for multiple subsidiaries.
- Served as primary contact for outsourced audits with external provider while coordinating audits with audit clients.
Manager
Grant Thornton
Melbourne
06.2024 - 03.2025
- Directed ongoing Assurance Review of Buy-Now-Pay-Later Company’s Management Action Plan post-regulatory enforcement.
- Oversaw design and implementation of AML/CTF RACI Matrix and Risks and Control Register Uplift for Tier 2 Bank.
- Conducted Independent Review for one of Australia’s largest Online Betting Exchanges.
- Coordinated Independent Review across multiple locations for one of Australia’s largest Casinos.
Senior Consultant
Grant Thornton
Melbourne
04.2023 - 06.2024
- Provided on-site AML/CTF Advisory and Support for a Members Owned Bank and assisted with completion of an Independent Review completed by their Internal Audit Team.
- Assisted with the completion and delivery of an Enterprise-Wide Risk Assessment for a Tier 2 Bank.
- Appointed Workstream Lead for an AML/CTF Operations Transformation for a Tier 2 Bank under regulatory enforcement.
- Assisted in the design and delivery of an AML/CTF Program and Risk Assessment for a Property Investment Company which has over $810 million of funds under management.
- Assisted with completion and management of an Independent Review for one of the biggest Casino in Australia across multiple locations.
Money Laundering Reporting Officer (MLRO)
Community Credit Union
Dublin
01.2022 - 10.2022
- Appointed to Community Credit Union’s Senior Management Team with responsibility for managing and leading the AML Function within the Risk and Compliance Department.
- Completed many enhancements to AML processes such as Transaction Monitoring, PEPs & Sanctions, CDD and STR’s.
- Review, triage, and report where necessary all Internal STR’s. Additionally, reviewed, and enhanced existing Internal STR Reporting Process.
- Point of contact for all Law Enforcement Requests from An Garda Siochana and aiding where required including requests arising from filing of STRs.
- Completing and filing regulatory returns such as Central Bank of Ireland (CBI) Risk Evaluation Questionnaire (REQ) and DAC-2 CRS Revenue Return.
- Reporting and presenting to Board and Audit, Risk and Compliance Committee on a monthly, quarterly, and annual basis. Also, provide an annual MLRO Report.
- Designed and delivered annual AML Training to all Staff and Board Members. Training was also accredited by the Institute of Bankers (IOB) for CPD Hours.
- Completed an annual review of the AML Policy and Procedure Document to ensure it aligns with the CBI Guidelines and Expectations. Review was based on CBI AML/CTF Guidelines for the Financial Sector released June 2021.
- Completed and presented Customer Risk Assessment and Business Risk Assessment which was approved by the Board.
Risk and Compliance Manager
Community Credit Union
Dublin
10.2022 - 03.2022
- Promoted to Risk and Compliance Manager with responsibility for entire Risk and Compliance Department. This role is approved by the Regulator (Central Bank of Ireland) and part of Senior Management Team.
- Responsible for identifying, assessing, reporting, and managing all internal and external risks facing the Credit Union. This includes maintaining a Risk Register, identifying relevant internal controls and creation of risk mitigation plans. Some of these risks include but not limited to Capital Risk, Governance Risk, Environmental Risk, Operational Risk, Market Risk and Credit Risk.
- Deliver monthly, quarterly, and annual Risk Reports to Board of Directors and Audit, Risk and Compliance Committee.
- Identified, procured, and implemented a brand-new Risk Management System which has led to increased efficiencies in how CCU manages and reports Risk. As part of the implementation, training and support was provided to all relevant Members of Staff.
- Completed a Review of Operational Resilience Guidance from the Regulator and designed and implemented a Community Credit Union Operational Resilience Framework which complies with regulatory guidance. Key components of this Framework include Business Continuity Plan, Business Services, Governance and IT and Technology.
- Appointed as Community Credit Union designated Data Protection Officer and Complaints Officer. As part of these roles, responsible for responding to and managing any Incidents, Errors, Breaches (IEB’s) and Complaints.
- Designed and implemented a Regulatory Relations Policy and Regulatory Returns Tracker which ensures Regulatory Relations and Returns are managed effectively and in a timely manner.
- Designed and delivered an Outsourcing Tracker and Governance Framework to ensure all Outsourced Providers are managed effectively. As part of this Governance Framework, scheduled meetings and annual reviews were implemented and documented.
- Main point of contact for all Internal and External Audit Log Items and Actions. As part of this, responsible for managing CCU Audit Log and remediation of any Audit Findings.
Compliance Executive
Start Mortgages
Dublin
03.2021 - 12.2021
- Responsible for generating and reviewing various transaction monitoring reports and escalating suspicious transactions to MLRO and An Garda Siochana FIU/Revenue when necessary. Proficient in the use of GoAML System and Revenue STR reporting systems.
- Complete various Reviews and GAP Analysis Reports on several key areas. For example, reports prepared on Corporate Governance, Fitness and Probity, Consumer Protection, Central Bank of Ireland (CBI) Authorisation Requirements, PEP’s, CDD Requirements and CBI AML/CTF Guidelines.
- Collaborate directly with the MLRO and Compliance Manager performing reviews of various Company Policies and Procedures, identifying areas for enhancement, and ensuring Policies and Procedures align with regulatory requirements.
- Lead and facilitate weekly AML Governance Meetings with MLRO and Compliance Team providing updates on several different topics such as STR’s, LexisNexis Screening Alerts, Upstream Scanning on new Industry Activity such as upcoming Regulatory Requirements, and 1LOD STR Reports.
- Attend Compliance Committee Meetings and CBI Meetings taking minutes and contributing on matters when required. Also responsible for managing Compliance Mailbox, responding to queries from various teams and departments.
KYC Officer
Citco Bank
Dublin
08.2020 - 03.2021
- Responsible for reviewing and preparing risk assessments for onboarding of new clients for the Bank. These clients include Collective Investment Schemes and Special Purpose Vehicles which are domiciled in different jurisdictions such as Cayman Islands, British Virgin Islands and Delaware, USA.
- Conduct analysis of client’s transactions identifying any transactions which are out outside of the Bank’s risk appetite and escalating accordingly.
- Perform exit and event driven reviews of clients who are no longer clients of the bank and complete UBO reviews of clients onboarded.
- Identified and proposed the need for monthly Continuous Improvement meetings and ultimately led and facilitated these initial meetings after being implemented.
CRA Specialist/CDD Manager
Sun Life Financial
Waterford
09.2019 - 08.2020
- Promoted to CDD Manager performing Specialist and Final Sign Off at Manager Level on both Individual and Corporate accounts.
- Responsible for planning and organising workloads of CDD Analysts through effective queue management and resource allocation.
- Responsible for weekly feedback to Admins and Quality Assurance Team, identifying any gaps/training needs that need rectifying. Also responsible for designing and delivering training to various different teams within the organisation.
- Generated regular reports including detailed findings, results and trends observed to Senior Management with recommendations for processes, controls and areas for improved efficiency and performance.
- Act as a Subject Matter Expert for all AML queries from various different teams within the organisation. Also responsible for preparation of all SAR’s and escalations which need Compliance and MLRO Approval.
CRA Specialist/CDD Analyst
Sun Life Financial
Waterford
02.2019 - 09.2019
- Promoted to newly created internal Client Due Diligence team completing risk assessments and Admin Level Sign Off on both Individual and Corporate accounts for onboarding and remediation of clients in the High Net Worth and Life Insurance industry.
- Performing Ongoing Monitoring every month on regular cases and trigger events.
- Performing full screening of clients, raising Compliance Escalations when required. This screening includes Dow Jones, World Check, Transparint and Google Searches.
- Assisting with training/mentoring of new hires to team by preparing and delivering training whilst preparing weekly progress reports for Senior Management.
International Financial Administrator
Sun Life Financial
Waterford
07.2018 - 02.2019
- Working in a client-facing role gathering documents ensuring clients and firms are adhering to CDD and AML guidelines in an efficient manner whilst maintaining high quality scores.
- Directly dealing with various firms and building good relationships. Also, responsible for a weekly firm call with Citi Bank being the main point of contact.
Education
Postgraduate - Management of Operations
Dublin City University
01.2021
Certificate - Anti Money Laundering
International Compliance Association (ICA)
01.2019
Bachelor of Business -
Waterford Institute of Technology
01.2018
Leaving Certificate -
De La Salle College Waterford
01.2014
Skills
- MS Office and Google Suite
- AuditBoard
- Salesforce and T24 systems
- Regulatory mapping
- Continuous improvement
- AML/CTF compliance
- Stakeholder management
- Audit coordination
- Problem solving
- Internal controls
References
References available on request
Hobbies and Interests
My biggest interest is soccer and coaching. From playing soccer, have been successful both individually and as part of a team at club, county, schools, and national level. I currently play for our Senior Team and coach other goalkeepers in my club Villa FC and at the club’s academy. I’m also Garda Vetted and have obtained my Kick Start 1 coaching course.
References
References available upon request.
Timeline
Internal Audit Manager
Remitly
04.2025 - Current
Manager
Grant Thornton
06.2024 - 03.2025
Senior Consultant
Grant Thornton
04.2023 - 06.2024
Risk and Compliance Manager
Community Credit Union
10.2022 - 03.2022
Money Laundering Reporting Officer (MLRO)
Community Credit Union
01.2022 - 10.2022
Compliance Executive
Start Mortgages
03.2021 - 12.2021
KYC Officer
Citco Bank
08.2020 - 03.2021
CRA Specialist/CDD Manager
Sun Life Financial
09.2019 - 08.2020
CRA Specialist/CDD Analyst
Sun Life Financial
02.2019 - 09.2019
International Financial Administrator
Sun Life Financial
07.2018 - 02.2019
Postgraduate - Management of Operations
Dublin City University
Certificate - Anti Money Laundering
International Compliance Association (ICA)
Bachelor of Business -
Waterford Institute of Technology
Leaving Certificate -
De La Salle College Waterford