Web3 Anti Money Laundering Jobs in Malta

Our Local Programs and Regulatory Compliance team is responsible for ensuring compliance with local laws and regulations in the countries where we operate.The EU MLRO will be the sentinel of trust by protecting the company, our customers, and the wider financial ecosystem through precision, integrity, and intelligence-led compliance.  The EU MLRO will be a Key Function Holder responsible for the independent oversight and management of the Anti-Money Laundering and Counter-Financing of Terrorism (AML/CFT) framework for both the MiCA and EMI licensed entities. This senior role requires an expert understanding of the Maltese and EU regulatory landscape, specifically the obligations under the Prevention of Money Laundering Act (PMLA), PMLFTR, FIAU Implementing Procedures, the Markets in Crypto-Assets Regulation (MiCA), and the Electronic Money Directive (EMD)/PSD2.The role will report to the company’s Board of Directors and will be a direct report to the Chief Compliance Officer of the group.  

Responsibilities

• Leadership:
• Serve as the designated MLRO for the company;Provide operational Leadership to mentor the financial crimes team and foster a culture of accountability and vigilance;
• Translate global compliance strategy into regional execution; ensure consistent frameworks across business units and markets.Drive automation through RegTech and AI-enabled controls to enhance monitoring, risk analytics, and reporting.
• Partner with product, operations, and technology teams to embed compliance by design in all workflows.
• Provide the Executive Committee and Board with timely, data-driven compliance reports and strategic recommendations.
• Regulatory Reporting & Liaison (Core MLRO Function):
• Serve as the primary point of contact for all AML/CFT matters with the FIAU and the MFSA;Receive, assess, and investigate all internal Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs) cases;Promptly determine and file SARs and STRs with the FIAU, maintaining the required confidentiality and secrecy;Respond to requests for information (RFIs) from the FIAU and other competent authorities in a timely and accurate manner;
• AML/CFT Framework & Policy Management:
• Design, implement, and maintain a robust, risk-based AML/CFT Compliance Programme that is tailored to the distinct and combined risks of both the MiCA and EMI business models;
• Ensure all AML/CFT policies, procedures, and internal controls are consistently updated to reflect changes in local and EU legislation, including the full implementation of the MiCA Regulation requirements for CASPs and EMT issuers;
• Develop, maintain, and execute the annual Business Risk Assessment (BRA) and Customer Risk Assessment (CRA) for both regulated entities, with a particular focus on the unique ML/FT risks associated with virtual assets and payment services;
• Oversight & Monitoring:
• Supervise the Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and ongoing monitoring processes for all clients, ensuring adherence to the 'Fit and Proper' criteria as required;
• Oversee and fine-tune the automated Transaction Monitoring Systems for both fiat payments (EMI) and crypto-asset transfers (MiCA), ensuring thresholds and rules are aligned with risk assessments and emerging typologies;
• Implement AI-driven monitoring, blockchain-based transaction tracing, and typology modeling to identify emerging threats;
• Conduct independent reviews, audits, and spot-checks of internal compliance procedures to identify and remediate any deficiencies or compliance gaps;
• Training & Culture:
• Develop and deliver regular, high-quality, and role-specific AML/CFT training programmes for all employees, the Board, and relevant outsourced parties, ensuring they understand their reporting obligations.
• Cultivate a strong, ethical, and proactive AML/CFT compliance culture throughout the organisation.

Requirements

• Minimum 12 years’ experience in AML/CTF or financial-crime compliance, preferably as a formally approved MLRO or Deputy MLRO for a Malta-regulated entity (e.g., PSP, EMI, Credit Institution, or VFA Service Provider).
• Must meet the "Fit and Proper" criteria set by the MFSA and be eligible for approval (PQ’d) as the MLRO Key Function Holder;
• Demonstrable and in-depth knowledge of the regulatory framework for Electronic Money Institutions (EMI) and the forthcoming requirements of the MiCA Regulation for CASPs and/or EMT issuers;
• Strong analytical, decision-making, and problem-solving skills with meticulous attention to detail;
• Strong command of AML analytics, blockchain investigation tools, and typology development;
• Ability to stay abreast of rapidly evolving regulatory changes, particularly in the crypto and payment sectors;
• Ability to distill and discern important information from regulatory guidance, statutes and regulations, audit findings, and other documents and determine how it impacts the company.
• The understanding of regulatory requirements vs. “best practices” in compliance is critical;Must be able to perform independently and with minimal supervision;
• Strong organizational skills – must be multi-tasked oriented and able to balance pressure and deadlines with constantly changing priorities;
• Ability to prioritise workload in line with tight deadlines and work effectively under pressure;
• Proven track record leading multi-jurisdictional teams and managing cross-border regulatory relationships;
• Strategic thinker fluent in both regulatory language and technology transformation;
• Excellent communication and presentation skills in English, capable of articulating complex compliance matters to the Board, staff, and regulators;
• Excellent integrity, judgment, and regulatory communication skills;

€90,000 - €120,000 a yearLife @ Crypto.comEmpowered to think big. Try new opportunities while working with a talented, ambitious and supportive team.Transformational and proactive working environment. Empower employees to find thoughtful and innovative solutions.Growth from within. We help to develop new skill-sets that would impact the shaping of your personal and professional growth.Work Culture. Our colleagues are some of the best in the industry; we are all here to help and support one another.One cohesive team. Engage stakeholders to achieve our ultimate goal - Cryptocurrency in every wallet. Work Flexibility Adoption. Flexi-work hour and hybrid or remote set-upAspire career alternatives through us - our internal mobility program offers employees a new scope.  Work Perks: crypto.com visa card provided upon joining Are you ready to kickstart your future with us? BenefitsCompetitive salaryAttractive annual leave entitlement including: birthday, work anniversaryAspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.  Work Perks: crypto.com visa card provided upon joining Our Crypto.com benefits packages vary depending on region requirements, you can learn more from our talent acquisition team.About Crypto.com:Founded in 2016, Crypto.com serves more than 150 million customers and is the world's fastest growing global cryptocurrency platform. Our vision is simple: Cryptocurrency in Every Wallet™. Built on a foundation of security, privacy, and compliance, Crypto.com is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.Learn more at https://crypto.com. Crypto.com is an equal opportunities employer and we are committed to creating an environment where opportunities are presented to everyone in a fair and transparent way. Crypto.com values diversity and inclusion, seeking candidates with a variety of backgrounds, perspectives, and skills that complement and strengthen our team.Personal data provided by applicants will be used for recruitment purposes only.Please note that only shortlisted candidates will be contacted.We may use artificial intelligence tools to analyze the content of your Resume/CV against the specific requirements for the position. The purpose is to support our recruitment team in reviewing applications more effectively. These tools assist our recruitment team in their evaluation of your application by providing recommendations, but they do not replace human judgment. Final hiring decisions are ultimately made by humans who consider the insights generated by the tools along with other relevant information. If you would like more details about how your personal information is processed, please contact us.