Mlro

The MLRO is responsible for overseeing the organisations Anti-Money Laundering and Counter Financing of Terrorism (AML/CFT) framework in line with the PMLA, PMLFTR, and FIAU Implementing Procedures.

Reporting directly to the CEO, the MLRO ensures that the entity effectively identifies, manages, and mitigates financial crime risks.

As the MLRO, your main responsibilities will include:

• Maintain and oversee AML/CFT policies, controls, and risk-based approach.
• Act as the main point of contact with the FIAU and other authorities, including the submission of Suspicious Transaction Reports (STRs).
• Report to the Board, Audit & Risk Committee and CEO on AML/CFT risks, issues, and remedial actions.
• Approve high-risk and PEP relationships in line with the organisations risk appetite.
• Ensure effective monitoring of customer transactions and the escalation of suspicious activity.
• Lead, guide, and support the AML Officer to ensure consistent application of AML/CFT standards.
• Oversee the delivery of staff AML/CFT training and awareness programmes.
• Keep up to date with regulatory developments and ensure timely implementation of changes.
• Liaise with internal and external auditors and ensure closure of findings related to AML/CFT compliance.

• Experience in AML, with at least 2 years in a senior or managerial role within banking or financial services.
• Relevant qualification in Compliance, AML/CFT, or a related field.
• Strong knowledge of AML/CFT legislation, the PMLA, PMLFTR, and FIAU Implementing Procedures.
• Excellent analytical, decision-making, and communication skills.
• High level of integrity, independence, and attention to detail.
• Fluency in English and Maltese.

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