Moneybase forms part of Calamatta Cuschieri Moneybase plc, a leading diversified financial services group that pioneered the Maltese financial services industry in 1971. We currently employ 200 people spread across 3 core business lines namely Fintech, Investment services and Fund administration.
Calamatta Cuschieri Moneybase plc is considered to be an innovator in the areas it operates in. We believe in challenging the status quo and we aim for service excellence in everything we do.
Our Values:
🚀Innovation – Stay Curious, Move Fast
🔒Integrity – Do What’s Right, Always
🎯Accountability – Own It, Fix It, Learn
🤝Collaboration – Win Together
🌍Respect – Value Every Voice
Job Summary
The AML Officer will support the AML function in ensuring that the Company maintains an effective AML/CFT framework and complies with applicable Maltese and EU regulatory requirements. The role will involve day-to-day monitoring, investigation and assessment of AML risks, with a strong focus on KYC/CDD, transaction monitoring, sanctions screening and suspicious activity escalation.
Key Responsibilities:
Conduct KYC/CDD and Enhanced Due Diligence (EDD) reviews for new and existing clients.
Review and investigate transaction monitoring alerts, identifying unusual or potentially suspicious activity.
Conduct PEP, sanctions and adverse media screening and assess potential matches.
Identify and escalate AML/CFT red flags and higher-risk cases to the MLRO/Head of AML.
Assist with the assessment and preparation of STR/SARs and regulatory reporting through goAML.
Ensure AML investigations and decisions are properly documented and supported by a clear audit trail.
Support ongoing client monitoring, periodic reviews and remediation exercises.
Assist with the implementation and execution of the AML Compliance Monitoring Programme.
Support regulatory inspections, audits, information requests and AML remediation activities.
Keep up to date with changes to FIAU, MFSA and EU AML/CFT requirements.
Work closely with Onboarding, Operations, Compliance and other relevant teams to ensure AML controls are effectively implemented.
Identify weaknesses in AML processes and recommend practical improvements.
Maintain strict confidentiality when handling sensitive client and AML information.
3+ years of relevant AML/CFT experience, preferably within payments, banking, fintech, e-money or VASP environments.
Good knowledge of Maltese AML/CFT requirements, including the PMLFTR and FIAU Implementing Procedures.
Practical experience in KYC/CDD, transaction monitoring, sanctions/PEP screening and AML investigations.
Strong analytical, investigative and decision-making skills.
High level of integrity, confidentiality, accuracy and attention to detail.
Nice to have:
ICA, ACAMS or equivalent AML/Compliance qualification.
Experience in Banking/payments/fintech/VASP/CSP, including exposure to FIAU/MFSA regulatory inspections.
Remuneration
We are committed to attracting and selecting top people to join our team. We are also committed to creating a workplace that encourages individual growth; we value our people and their well-being.
What we offer:
Ongoing internal training
External training opportunities
Study Leave
Sponsorship schemes for further studies
Opportunities for career growth
Free health insurance
Employee referral incentive
Gym subsidy
All Applications will be acknowledged and treated with maximum confidentiality
Reference: CCMT01927
“The enduring goal of Calamatta Cuschieri Moneybase is that the composition of our workforce should reflect that of the communities in which we work.”
Skills Required
- At least 3 years of experience in AML, compliance, financial crime prevention, risk management, or a related function within financial services.
- Experience working within a regulated financial institution, such as an investment firm, payment institution, electronic money institution, or bank.
- Sound knowledge of AML/CFT legislation, regulations, and industry best practices.
- Familiarity with customer due diligence, enhanced due diligence, ongoing monitoring, sanctions screening, transaction monitoring, and suspicious activity reporting.
- Experience liaising with regulators, auditors, and law enforcement authorities.
- Degree in Compliance, Law, Banking and Finance, Risk Management, Criminology, Business Administration, or a related field, or professional AML/compliance qualifications such as ICA or ACAMS.
- Knowledge of Maltese and European AML/CFT regulatory frameworks.
- Excellent written and verbal communication skills in English.
- Strong analytical, investigative, organizational, problem-solving, and stakeholder management skills.
- Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
- Knowledge of sanctions, proliferation financing, fraud prevention, and financial crime typologies.
What We Do
Calamatta Cuschieri is Malta’s largest independent financial services Group that pioneered the local financial services industry as early as 1972. Today, the CC Group has diversified across a full range of financial services and also operates dedicated Fintech and marketing companies. The group is committed to attracting top talent and creating a workplace that encourages individual growth and employee well-being.
