Compliance Analyst

Compliance Analyst 

Location: Birkikara  

About the Role 

We are looking for an experienced Compliance Analyst to join our Compliance and Financial Crime team based in Malta. This role is ideal for someone with a strong background in fintech or financial services who has hands-on experience in AML, financial crime investigations, compliance monitoring, and regulatory compliance. 

Reporting to the Compliance Officer, you will act as the deputy compliance lead on the ground, supporting the day-to-day compliance function while ensuring the business maintains the highest regulatory standards. 

Key Responsibilities 

• Monitor and investigate unusual transaction activity that may indicate money laundering, terrorist financing, fraud, or other financial crime. 

• Conduct detailed investigations into customer activity, transaction patterns, and the purpose of payments. 

• Collect, analyse, and document relevant customer, account, and transaction data. 

• Perform transaction monitoring reviews and escalate suspicious activity where appropriate. 

• Support the onboarding process for high-risk customers, including enhanced due diligence (EDD) reviews. 

• Execute and contribute to the Compliance Monitoring Programme, ensuring adherence to internal policies and regulatory obligations. 

• Assist with internal and external audits and support remediation activities. 

• Research and analyse emerging financial crime risks, trends, and regulatory developments. 

• Collaborate with business stakeholders to ensure compliance risks are appropriately managed. 

• Support the Compliance Officer by acting as their deputy and providing guidance on day-to-day compliance matters. 

• Maintain accurate records and prepare reports for management and regulatory purposes. 

 Requirements 

Essential 

• Approximately 5 years’ experience in Compliance, AML, Financial Crime or Regulatory Compliance. 

• Experience within a FinTech or wider financial services environment (payments, EMI, PSP, banking or similar). 

• Strong understanding of AML/CFT regulations and financial crime frameworks. 

• Experience operating or contributing to a Compliance Monitoring Programme. 

• Hands-on experience with transaction monitoring systems and alert investigations. 

• Experience managing or reviewing high-risk customer onboarding and Enhanced Due Diligence (EDD). 

• Experience supporting or managing regulatory and internal audits. 

• Good understanding of regulatory requirements applicable to payment institutions and financial services. 

• Strong analytical and investigative skills with excellent attention to detail. 

• Ability to identify trends, patterns and emerging risks across large datasets. 

• Ability to manage high volumes of work while maintaining accuracy. 

• Strong problem-solving skills and the ability to work independently. 

• Excellent written and verbal English communication skills. 

• Experience working within a Malta-regulated financial institution. 

 Desirable 

• Knowledge of correspondent banking and cross-border payment services. 

• Familiarity with payment systems and multiple financial products. 

• Professional AML or Compliance qualifications (ICA, ACAMS or equivalent). 

 What We’re Looking For 

• Highly analytical with excellent attention to detail. 

• Able to balance detailed investigations with a broader risk perspective. 

• Comfortable working in a fast-paced, evolving regulatory environment. 

• Proactive, accountable, and solutions oriented. 

• Strong stakeholder management and communication skills. 

• Able to act as a trusted second-in-command to the Compliance Officer