MLRO (m/f/o)

Tasks

• Act as the registered Money Laundering Reporting Officer for the Malta entity, including managing all approvals/notifications with the MFSA and FIAU
  
• Own and maintain the entity’s AML/CFT and sanctions frameworks, policies, procedures and controls in line with Maltese PMLFTR and FIAU Implementing Procedures, MFSA Rulebooks and guidelines
  
• Oversee the full suspicious activity reporting (SAR/STR) lifecycle managing internal reports and investigations, deciding on external reporting to the FIAU and ensuring timely filings and robust record-keeping
  
• Lead and continuously update the Business Risk Assessment (BRA), Customer, product, geographic and delivery-channel risk assessments
  
• Oversee KYC/CDD/EDD and ongoing monitoring for merchants and/or customers, ensuring a risk-based approach aligned to group standards
  
• Provide expert guidance on higher-risk sectors and on new product/market approvals
  
• Work closely with Product, Tech and Operations on transaction monitoring and screening tools, including scenario design, tuning and QA
  
• Produce regular MI, Board and Committee reports on financial crime risk, key indicators, remediation and regulatory matters

Requirements

• 7+ years in AML/financial crime compliance within payments, e-money, fintech, with time spent in an MLRO, Deputy MLRO or Head of Financial Crime role
  
• have strong, hands-on knowledge of Maltese AML/CFT laws and FIAU Implementing Procedures, MFSA Rules, EU AML directives and sanctions regimes
  
• Proven experience dealing directly with regulators and FIUs (ideally MFSA/FIAU) on SARs, inspections, remediation and supervisory reviews
  
• Demonstrated ability to design and run risk-based controls 
  
• Experience working in a multi-jurisdictional group, adapting frameworks to different regulatory expectations
  
• Excellent communication skills in English
  
• Strong stakeholder management and leadership skills
  
• Professional financial crime / compliance certifications such as ICA, ACAMS, CAMS or equivalent are highly desirable