Risk Officer & MLRO

Job Description

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 Maintain audit-ready documentation, reporting standards, and regulatory frameworks (BRA, CRA, JRA, SRA) 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 Hybrid Career progression Sponsored learning and development opportunities Job Reference: IO622 Category Compliance Job type Full Time Employment level Senior Management Work Location Hybrid Employer industry Financial Services Languages English Konnekt

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