Senior Compliance Officer

Position : Senior Compliance Officer

Location : Luxembourg

Reports to : Head of Compliance Europe

Tokio Marine HCC

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Europe, Ireland, and other exciting locations. With the strength and stability that comes from being a member of the Tokio Marine group, and more than fifty years of growth, profitability, and stability, we offer important insurance products that most people don’t even know exist. Our products allow our customers to take on opportunity with confidence.

Just as we invest in our company, we invest in our employees’ careers. We provide our employees a collaborative and rewarding environment within which to gain the knowledge, skills, and experience that lead to a rewarding career. In turn, our competitive salaries, attractive benefits, and potential for career growth allow you to take on opportunity with confidence.

About the role

As Senior Compliance Officer, you will provide senior professional compliance expertise to help Tokio Marine Europe S.A. identify, understand and meet regulatory and compliance obligations across its Luxembourg head office and European branches. You will deliver independent advice and constructive challenge across compliance advisory, governance, regulatory horizon scanning and risk-based monitoring. Operating with a high degree of autonomy, you will own assigned jurisdictions and workstreams, lead cross-functional initiatives and manage one Compliance Officer while supporting a proactive compliance culture.

Key Responsibilities

• Provide timely, pragmatic and independent advice across compliance topics including insurance distribution, complaints, conflicts of interest, whistleblowing, outsourcing and financial crime, escalating material concerns where appropriate.

• Act as an accessible and credible Compliance partner, combining constructive business engagement with effective independent challenge.

• Design, coordinate and deliver targeted training, communications and awareness initiatives with business and control functions.

• Develop, review and maintain compliance policies, standards, procedures and methodologies, and contribute to the annual Compliance Risk Assessment and Compliance Plan.

• Prepare concise, accurate and decision-useful reporting for senior management, committees, the Board, regulators and parent-company stakeholders.

• Own or coordinate compliance coverage for at least one of Italy, Germany or France, according to language capability, experience and business need, while contributing to cross-border matters.

• Monitor local, EU and other relevant regulatory developments and translate them into impact assessments, implementation roadmaps, actions and business communications.

• Coordinate with TME Legal and UK and Group Compliance teams, and contribute to regulatory responses, supervisory interactions, information requests and external due-diligence or KYC questionnaires.

• Contribute to the design and delivery of the risk-based Compliance Monitoring Programme, leading thematic reviews, targeted testing and remediation follow-up within areas of expertise.

• Manage and develop one Compliance Officer by setting priorities, providing direction and feedback, allocating work effectively and supporting professional development.

Skills and Competencies Required

• At least 8 years of relevant compliance or regulatory-risk experience in the European insurance sector, preferably within non-life or specialty insurance.

• Professional proficiency in at least one of Italian, French or German

• Fluent English, with excellent written and verbal communication skills.

• Strong understanding of EU insurance regulation and the ability to interpret and operationalise local and EU requirements.

• Experience taking autonomous ownership of a jurisdiction, regulatory topic, programme or material workstream.

• Experience working with senior stakeholders in an international environment, including UK interactions.

• Experience managing, coaching or developing a compliance professional, including setting priorities, providing direction and feedback, and reviewing development objectives.

• Experience leading cross-functional or cross-jurisdiction regulatory initiatives and representing Compliance in relevant forums.

• Strong analytical, problem-solving, drafting and reporting skills, with the ability to produce clear and decision-useful written output.

Skills and Competencies Preferred

• Experience of regulatory change implementation, Board or committee reporting, and developing or delivering risk-based compliance monitoring.

• Experience of the Luxembourg insurance market and applicable CAA requirements.

• Experience interacting with European insurance supervisors such as the CAA, IVASS, BaFin or ACPR.

About the team

You will join TME’s Compliance team at an exciting stage in its development. We are building a more visible, proactive and forward-looking Compliance function that combines strong technical expertise with practical business engagement and independent challenge. Working across TME’s Luxembourg head office and European branches, the team collaborates closely with colleagues locally and across the wider Group, offering broad exposure to Advisory & Awareness, Governance & Framework, Monitoring, and Regulatory & Horizon Scanning

What we offer

At Tokio Marine HCC, we believe our people perform at their best when they feel supported, professionally and personally. Alongside a competitive salary, we offer a comprehensive benefits package designed to support your wellbeing, financial security and work-life balance, including:

• Hybrid working model (2 days working from home, 3 days in the office).

• Comprehensive private medical insurance for you and your family.

• Annual discretionary bonus and competitive pension plan.

• Life and disability insurance.

• Lunch vouchers and a monthly wellbeing allowance.

• Generous annual leave, additional company rest days and flexible working arrangements.

• Learning and development opportunities to support your career growth.

• Access to wellbeing resources including an Employee Assistance Programme, Headspace and mental health support.

• Paid volunteer days and a variety of employee social events throughout the year.

The Tokio Marine HCC Group of Companies offers a competitive salary and employee benefit package. We are a successful, dynamic organisation experiencing rapid growth and are seeking energetic and confident individuals to join our team of professionals. The Tokio Marine HCC Group of Companies is an equal opportunity employer. Please visit www.tmhcc.com for more information about our companies.

Your success is our priority. In a world that is rapidly changing, TMHCC enables you to take on opportunities with confidence.
At Tokio Marine HCC, we pride ourselves on hiring the smartest, most conscientious people, who want to
make a difference no matter their background. And then we give them the support and trust they need.
We’re always looking for curious, creative transformative thinkers who want to change the status quo
and have a passion for doing the right thing. If this is you, then we want you on our team.