AML & Compliance Team Leader

• Support the Head of Compliance in the implementation and ongoing maintenance of the company’s AML/CFT and compliance framework.
• Lead, supervise, and mentor the AML/Compliance team, ensuring effective allocation of workload and adherence to SLAs.
• Provide oversight on customer onboarding reviews, enhanced due diligence (EDD), ongoing monitoring, sanctions screening, and transaction monitoring processes.
• Identify, assess, and escalate AML/CFT and sanctions risks to the Head of Compliance and MLRO where appropriate.
• Assist in the preparation of internal and regulatory reports, including compliance monitoring reports and management information.
• Participate in the development, implementation, and review of AML/CFT and compliance policies and procedures.
• Monitor adherence to internal controls and recommend enhancements where gaps are identified.
• Support regulatory inspections, audits, and requests for information.
• Ensure proper record keeping in line with regulatory and internal standards.
• Stay up to date with local, EU, and international regulatory developments in AML/CFT, sanctions, and payments regulation.
• Act as a key point of contact for operational AML/compliance queries across the business.
• Collaborate closely with the MLRO on suspicious activity assessments and internal reporting processes.
• Contribute to compliance monitoring plans and participate in periodic testing and control reviews.
• Support remediation projects and corrective action plans arising from audits, monitoring, or regulatory findings.

• Minimum 4–5 years’ experience in AML/CFT and Compliance within the payments industry, fintech, or financial services.
• Strong knowledge of AML/CFT regulations applicable in Malta and the EU.
• Good understanding of Card Scheme rules and regulatory expectations relevant to payment institutions.
• Practical experience in KYC, CDD, EDD, sanctions screening, and transaction monitoring.
• Experience in leading or supervising a team is highly desirable.
• Experience in regulatory reporting and handling compliance-related documentation.
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• Excellent written and verbal communication skills.
• High level of integrity, professionalism, and attention to detail.
• Organised, proactive, and capable of working independently when required.
• Strong interpersonal skills with the ability to collaborate across departments.

• Bachelor’s Degree or Diploma in Banking, Finance, Law, Business Administration, or a related field from a recognised educational institution.
• AML/CFT or Compliance certification (e.g., CAMS or equivalent) is considered an asset.

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