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

• Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice.
• Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan.
• Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP.
• Time to recharge – Take extra time off to rest, reset, and recharge, with 3 additional days off in 2026 to prioritise your wellbeing.
• Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace.
• Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel.
• Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family.
• Create a productive workspace at home – Set up your home office exactly how you want it with a dedicated budget for comfort and productivity.
• Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fuelled and focused all day long.
• Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda.
• Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent.
• Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to summer gatherings worldwide, fostering fun, connection, and celebration

       .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.

Above all, you will have 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).