MLRO - Fintech
Salary Package: €100,000 to €105,000
Working Arrangement: Hybrid

About Our Client
Our Client operates at the forefront of digital financial services, combining technology-led innovation with a strong regulatory foundation. As a fintech organisation, it provides a broad suite of solutions to both personal and corporate customers, with a strong emphasis on secure, transparent, and high-quality financial service delivery across multiple product lines.

Role Overview
This is a senior-level compliance appointment carrying formal MLRO responsibilities and direct accountability to senior governance bodies. The role is central to protecting the organisation from financial crime exposure by directing the full AML/CFT control landscape. The position requires confident leadership across payments and financial services environments, ensuring robust safeguards are in place across onboarding, monitoring, investigation, reporting, and regulatory engagement. The role maintains close interaction with both executive leadership and external supervisory authorities.

Key Responsibilities

Statutory MLRO Responsibilities: Act as the designated officer for receipt and assessment of internal suspicious activity notifications, determining whether escalation to the Financial Intelligence Analysis Unit is required under applicable legislation; maintain ongoing communication with supervisory and enforcement bodies including regulatory authorities; deliver annual statutory reporting to the Board of Directors; ensure completion and submission of mandatory regulatory questionnaires and disclosures; oversee sanctions-related escalations in line with legal obligations.
AML/CFT Governance & Framework Management: Take end-to-end responsibility for the organisation’s financial crime prevention architecture, including risk assessment methodologies covering business lines, products, and jurisdictions; ensure all AML/CFT documentation remains accurate, current, and aligned with evolving regulatory expectations; supervise the effectiveness of monitoring controls and independent testing activities; direct the optimisation of surveillance systems, including tuning of detection scenarios and investigation quality assurance; manage screening processes and escalation accuracy for sanctions controls.
Payments, Fraud & Customer Risk Oversight: Provide governance over compliance controls linked to SEPA and other payment channels, ensuring adherence to regulatory requirements on payment transparency and data integrity; oversee the identification and management of financial crime typologies including fraudulent account activity and misuse of customer accounts; supervise onboarding governance, including verification of funding sources and wealth origins at onboarding and trigger events; maintain oversight of complex corporate structures, beneficial ownership analysis, and enhanced due diligence processes; ensure appropriate governance of politically exposed persons, including approvals and ongoing monitoring of relationships.
Regulatory Engagement & Training: Present formal AML/CFT reporting outputs to senior governance forums and the Board; act as the key liaison during regulatory inspections, thematic assessments, and supervisory reviews; develop and deliver training programmes tailored to different organisational levels, including frontline staff and leadership teams; contribute subject matter expertise to wider compliance and risk frameworks; coordinate closely with internal assurance functions and cross-group compliance counterparts to ensure consistency of standards.
Regulatory Change & Strategic Monitoring: Lead organisational preparedness for evolving European AML regulatory reforms and supervisory frameworks; monitor updates issued by relevant authorities and translate them into actionable internal changes; assess implications of emerging requirements in areas such as crypto-asset transfers and digital financial services regulation; ensure the organisation remains aligned with international best practice and evolving typologies in financial crime prevention.

Qualifications, Skills, and Attributes

Education: A university qualification in Law, Finance, Economics, or a related field is expected. Professional certification such as ACAMS or ICA Diploma in Anti-Money Laundering is essential.
Experience: A minimum of 5 years’ exposure to AML/CFT within regulated financial services, including at least 3 years in a senior capacity such as MLRO, Deputy MLRO, or Head of Financial Crime. Strong familiarity with Malta’s regulatory regime (PMLFTR and FIAU expectations) is required. Ideally, the candidate will have been previously PQ’d.
Language Skills: Excellent written and spoken English is essential. Working knowledge of Maltese would be advantageous.
Communication Skills: Strong ability to articulate complex compliance and regulatory matters clearly to executive and Board-level stakeholders.
Interpersonal Skills: Proven capability to build influence across senior internal stakeholders and external regulatory bodies.
Technical Skills: Deep understanding of financial crime prevention frameworks, sanctions systems, transaction monitoring platforms, and risk-based AML methodologies, particularly within payments or electronic money environments.
Organisation: Strong capacity to prioritise and manage multiple regulatory, operational, and investigative demands in a structured and efficient manner.
Self-Motivated: Demonstrates strong ownership, independent decision-making, and resilience in high-accountability environments.
Problem-Solving: Highly analytical with strong investigative judgement and the ability to assess complex risk scenarios and determine appropriate escalation pathways.

What's on Offer

Compensation: Attractive remuneration package.
Working Hours: Hybrid working arrangement.
Other Benefits: Private health cover, wellness and fitness support, study leave entitlement, sponsorship for continued professional development, access to modern technology tools, and performance-based bonus structure.
Career Development: Long-term progression opportunities within a growing and forward-looking financial services organisation.

What Heroix Offers

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