Senior Financial Crime Compliance Officer
- Compensation
- Not disclosed
- Location
- Birkirkara, Malta; Limassol, Cyprus
- Work setup
- Not specified
- Seniority
- Senior
- Employment
- Contract
- Experience
- 3+ years
- Category
- Legal
- Posted
Skills
Must have
- Minimum 3–5 years' AML/CFT experience within a regulated financial services entity (prior experience within an EMI, payment institution is preferred).
- Working knowledge of the PMLFTR, FIAU Implementing Procedures, and MFSA Rulebook provisions applicable to EMIs (in particular the AML/CFT and governance chapters), or demonstrated capacity to rapidly
- Familiarity with EMD2/PSD2 (and awareness of PSD3/PSR transitional provisions), and their interaction with AML obligations.
- Practical experience with transaction monitoring systems, sanctions/PEP screening tools, and goAML reporting (or transferable hands-on exposure to similar regulatory reporting platforms).
- Relevant professional qualification preferred (ICA Diploma in AML, ACAMS, or equivalent).
- Degree in Law, Finance, Criminology, or a related discipline preferred but not mandatory where offset by demonstrable experience and high potential.
- Eligible to be approved by the MFSA/FIAU under the fit and proper regime (no adverse findings affecting suitability).
Full description
Trumia is a new-generation E-Money and Payment Services financial services provider, licensed and regulated in the EU. The Institution has set out to provide its clients with customer-centric and innovative financial services. It offers both consumer wallets and corporate accounts, driven by state-of-the-art technology to make its financial services seamless and beneficial to its users.
Are you an ambitious AML professional ready to make a high-impact move into fintech leadership? We are looking for a key professional to help drive our AML/CFT strategy and champion regulatory excellence in a fast-paced EMI environment. Acting as a core pillar of our Compliance function, you won't just execute policies - you’ll deputise for the MLRO, advise on high-risk onboarding, manage real-time transaction monitoring, and help navigate major EU regulatory shifts like AMLR and AMLD6. If you hold (or are eligible for) MFSA/FIAU approval, possess a strong regulatory mindset, and thrive at the intersection of complex payments, risk-based decision-making, and regulatory engagement, we want to hear from you.
ResponsibilitiesTransaction Monitoring & Suspicious Activity Reporting
- Review and disposition alerts generated by the transaction monitoring system, applying risk-based judgement calibrated to the Institution's Business Risk Assessment (BRA).
- Prepare and, where authorised, submit Suspicious Transaction Reports (STRs)/Suspicious Activity Reports (SARs) to the FIAU via the goAML platform.
- Maintain STR/SAR case files to evidentiary standard, including rationale for reporting or non-reporting decisions.
Customer Due Diligence (CDD/EDD)
- Oversee CDD and Enhanced Due Diligence for higher-risk customer segments (PEPs, high-risk jurisdictions, complex ownership structures, correspondent-style relationships where applicable to the EMI's agent/distributor network).
- Review and approve onboarding escalations referred by the first line, including source of funds/source of wealth analysis.
- Support periodic and trigger-event driven customer risk reviews.
Sanctions & PEP Screening
- Oversee sanctions list screening (EU, UN, OFAC as relevant to the Institution's exposure) and PEP screening processes, including true-match adjudication and escalation of positive hits.
- Support the Institution's obligations under EU restrictive measures regulations, including asset-freeze reporting where triggered.
Governance, Policy & Reporting
- Assist the MLRO in maintaining the AML/CFT Policy, BRA, and Customer Acceptance Policy in line with FIAU Implementing Procedures and MFSA guidance.
- Contribute to the annual MLRO report to the Board/Compliance Committee.