About The Role:

Join a leading organization in the financial services and payments sector, offering innovative solutions to streamline business transactions. Focused on delivering exceptional customer satisfaction, we are looking for a highly skilled MLRO to strengthen our team in Malta. If you have a proven track record in AML and compliance within the payments or fintech industries, we would love to hear from you.

As a MLRO your broad responsibilities will include but are not limited to:

AML/CFT Compliance:

• Develop, implement, and maintain an effective AML/CFT framework in line with industry regulations.
• Ensure adherence to both local and international AML standards, including those outlined by regulatory bodies such as the FIAU, MFSA, and the Central Bank of Malta.
• Continuously review and update internal AML/CFT policies to ensure alignment with evolving regulatory requirements.
• Serve as the primary liaison for regulatory authorities on AML/CFT matters, including businesses operating in the crypto space.

Reporting:

• Manage the filing of suspicious activity reports (SARs) with the relevant authorities.
• Prepare and submit periodic AML/CFT reports to senior management and relevant regulatory bodies.
• Lead internal investigations into suspected money laundering activities and report findings.

Risk Assessment and Monitoring:

• Perform regular risk assessments to evaluate the risks associated with the company’s products, services, and clients.
• Oversee the implementation of transaction monitoring systems to detect any suspicious activity.
• Supervise customer due diligence (CDD) and enhanced due diligence (EDD) for high-risk clients, ensuring that a risk-based approach is consistently followed.

Training & Development:

• Deliver AML/CFT training to staff members across the organization to ensure adherence to internal policies.
• Develop training materials and host workshops to ensure employees are up-to-date with their AML obligations.

Collaboration:

• Work in close partnership with internal departments, including Legal, Operations, and Risk Management, to ensure a unified compliance approach.
• Engage with external stakeholders such as auditors, regulators, and law enforcement to ensure transparency and effective compliance.

Audits and Examinations:

• Coordinate and manage internal and external AML/CFT audits.
• Implement corrective actions in response to findings from audits or regulatory inspections.

Qualifications and Skills:

• Proven experience as an MLRO, Compliance Officer, or in a similar role within the financial services sector in Malta.
• Deep knowledge of AML/CFT regulations, particularly in the context of the FIAU’s Implementing Procedures.
• Strong experience in managing cross-border regulatory compliance and assessing risks.
• Expertise in transaction monitoring systems and reporting protocols.
• Excellent communication skills, both written and verbal, with the ability to liaise effectively with regulators, auditors, and internal teams.
• Professional certifications such as ICA Diploma in AML, ACAMS, or equivalent are highly desirable.

Education:

• A Bachelor's degree in a relevant field such as law, finance, or business.
• A postgraduate degree in compliance, financial crime, or risk management would be advantageous.

Benefits:

• Competitive salary based on experience.
• Opportunities for career growth and development within a dynamic international financial services organization.
• Health and wellness benefits.
• A collaborative and inclusive working environment focused on innovation.