Senior Financial Crime Compliance Officer

About the Role

Step into a critical leadership role as a Senior Financial Crime Compliance (FCC) Officer, where you will actively safeguard a rapidly scaling E-Money Institution against complex global financial threats. You will spearhead daily FCC operations, optimize cutting-edge transaction monitoring systems, and mentor a high-performing compliance team while directly supporting the MLRO. If you are a strategic thinker with deep expertise in AML/CFT frameworks and a passion for driving operational excellence, this is your opportunity to shape the compliance landscape of a dynamic fintech leader.

About the Client

Our partner is a fintech and payment services provider based in the EU. Licensed and regulated as an E-Money Institution, they offer consumer wallets and corporate accounts.

As their exclusive recruitment partner, we manage their full-cycle talent acquisition.

What You Will Do

• Manage day-to-day FCC operations seamlessly, overseeing onboarding workflows, transaction monitoring, RFI management, and acting as the primary escalation point for internal queries.

• Mentor and provide technical guidance to team members, coordinating daily tasks to ensure peak operational efficiency and high-quality outputs.

• Optimize and streamline internal FCC workflows to eliminate bottlenecks, accelerating client onboarding without ever compromising regulatory standards.

• Refine FCC systems by proactively fine-tuning transaction monitoring rules and screening parameters to enhance threat detection and reduce false positives.

• Oversee the collection and precise analysis of Management Information (MI) for the Risk and Compliance Committee, Board of Directors, Auditors, and Regulators.

• Investigate and identify complex AML/CFT suspicions or high-risk matters, providing crucial updates and strategic recommendations to the MLRO.

• Lead Enhanced Due Diligence (EDD) processes for the Institution’s most complex and high-risk B2B and B2C clients, participating directly in key retention and onboarding decisions.

• Design and maintain a robust, evolving AML/CFT framework, conducting annual Business Risk Assessments (BRA) and Jurisdiction Risk Assessments (JRA).

• Cultivate and manage strong relationships with regulators (FIAU/MFSA) and external stakeholders, ensuring the AML/CFT framework consistently exceeds supervisory expectations.

• Ensure the timely, accurate submission of all periodic reporting to regulatory bodies, fulfilling all statutory obligations.

• Develop and deliver specialized AML/CFT training sessions and periodic briefings for staff, the Executive Team, and the Board of Directors.

What You Bring

• Industry Experience: A minimum of 5 years in a similar FCC, compliance, or risk role within the financial services industry or at a specialized AML/CFT consultancy firm.

• Educational Background: A Higher Education Qualification in Law, Finance, Banking, Criminology, or a closely related field.

• Regulatory Mastery: Deep, working knowledge of core AML/CTF and Transaction Monitoring legislation, specifically including a thorough understanding of the FIAU’s Implementing Procedures.

• Technical Acumen: Strong familiarity with Customer Due Diligence (CDD) requirements for diverse onboarding scenarios and a solid understanding of various payment methods (e.g., Bank transfers, Card payments, PISP, APM).

• Decisive Leadership: Confident decision-making and judgment skills, capable of navigating high-stakes compliance scenarios in a fast-paced environment.

• Communication: Excellent verbal and written English communication skills, with the ability to articulate complex regulatory insights to cross-functional teams and stakeholders.

• Bonus Points:

  • ACAMS (Certified Anti-Money Laundering Specialist) certification or an equivalent industry credential.

  • Prior experience conducting or participating in onsite regulatory inspections and audits.

What's in It for You

• Comprehensive Healthcare: Private Health Insurance provided upon successful completion of your probation period.

• Premium Workspace: An attractive, modern office location equipped with top-tier facilities.

• Catered Perks: Enjoy complimentary daily breakfasts and weekly Friday team lunches right in the office.

• Vibrant Culture: Regular office events and engaging team-building activities designed to foster collaboration and celebrate shared success.