Money Laundering Reporting Officer - Malta

Who we are 

We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 6 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.

Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!

Your mission

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. This is a key second-line function, integral to safeguarding our regulatory standing and protecting the business from legal, reputational and financial exposure.

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. 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 escalate 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.

And, above all, the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform.

Bitpanda is committed to fostering a fair and equal environment based on trust and mutual respect. We believe that a diverse and inclusive workplace is paramount to our success and we are committed to building a team that represents a wide variety of backgrounds, perspectives, and skills.

* 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).