Our Client, an International EMI licensed institution is seeking a Risk Offer and MLRO to compliment their growth in Malta. The successful candidate will be reporting to the board, and their respective international counterparts.
Responsibilities
Develop and maintain the enterprise risk framework, including risk appetite, governance, taxonomy, escalation, and reporting structures and oversee key risk areas including operational, financial, technological, and compliance
Maintain the Risk Register, risk indicators, and tolerance thresholds, ensuring effective monitoring and mitigation of risks
Act as MLRO, ensuring full compliance with AML/CFT, sanctions, and financial crime obligations, whilst overseeing CDD/EDD, transaction monitoring, sanctions screening, and escalation processes
Review high-risk clients, assess suspicious activity, and submit STRs where required and ensure compliance with EU regulations, including AML/CFT, sanctions, Travel Rule, and crypto/EMT requirements
Act as key liaison with the FIAU, auditors, regulators, and banking partners
Lead and develop the risk and financial crime function, embedding a strong compliance culture across the business
Ensure effective implementation of the three lines of defence model
Stay ahead of regulatory developments and emerging financial crime risks
Requirements
Based in Malta with 5+ years’ experience in risk, AML/CFT, compliance, or related control functions
Experience in financial services, fintech, payments, or digital assets
Strong understanding of EU frameworks including AML/CFT, sanctions, MiCA, and PSD2
MFSA PQ approval (MLRO and/or Risk Officer) is highly advantageous
Excellent Spoken and written English
Education and Experience
Degree in Law, Finance, Risk, Business, or related field.
Possession of CAMS, ICA, or similar certifications considered an advantage
Benefits
Strategic role within a fast-growing international well funded fintech organisation with direct exposure to Board-level decision-making and regulatory stakeholders
