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