Money Laundering Reporting Officer Malta

As Money Laundering Reporting Officer (MLRO), you will be the cornerstone of our AML/CFT framework, responsible for ensuring full adherence with the Prevention of Money Laundering Act, the PMLFTR and FIAU Implementing Procedures. You will serve as the principal point of contact with the FIAU and oversee all internal reporting, risk‑based assessments and escalation processes concerning money laundering and terrorist financing risks. This role requires a high level of autonomy, judgement and accountability. You will not only evaluate and report suspicious activity but also shape our financial crime risk management strategy, ensure staff awareness through targeted training and maintain a robust control environment.

What you’ll do

• Lead AML/CFT Compliance: Develop, implement and maintain the AML/CFT programme in Malta, including internal controls, procedures, the Business Risk Assessment (BRA) and Customer Risk Assessment (CRA).
• Evaluate and Report Suspicious Activity: Receive internal reports (SARs), assess potential ML/FT indicators, file STRs with the FIAU when required and respond to FIAU enquiries.
• Governance & Reporting: Report independently to the Board or relevant Committees, documenting breaches, updates and key risks, and ensure oversight of compliance with internal policies and regulatory expectations.
• Training & Awareness: Deliver AML/CFT training and awareness programmes tailored to different roles across the business, ensuring all staff understand their obligations.
• Ensure Resource Adequacy & Independence: Operate free from conflicts of interest, supported by sufficient time, staff and tools to perform the role effectively across the company.

Who you are

• Experienced AML/CFT Professional: Proven background in AML/CFT compliance, preferably with prior experience as MLRO or in a senior second‑line role within a regulated entity.
• Well‑Versed in Regulation: Strong knowledge of the PMLA, PMLFTR, FIAU Implementing Procedures, as well as relevant EBA and MFSA guidance.
• Independent and Principled: Able to exercise sound judgement and elevate concerns autonomously, with integrity and discretion.
• Effective Communicator: Comfortable interacting with senior management, regulators and staff across levels, translating complex requirements into actionable insight.
• Training & Risk‑Focused: Skilled at designing and delivering training, and attuned to financial crime risks tied to business operations, products and customer types.

What’s in it for you

• Hybrid‑working model with 25‑Work From Anywhere days.
• Competitive total compensation package including participation in our stock option plan.
• Market‑leading benefits programs shaped by our Time & Flexibility policies.
• Company‑wide and team events – both in‑person and virtually.
• Bitpanda swag to keep you living the brand.
• Comprehensive onsite onboarding program at our Vienna HQ.
• * These benefits may be adjusted at Bitpanda’s discretion and do not apply to our internships and exceptions to our Hybrid Working policy apply to teams with shift schedules or for folks whose roles require them to be in‑office (think: Workplaces team or IT).