Money Laundering Reporting Officer - MLRO

Money Laundering Reporting Officer - MLRO

This role is based in Malta which is recognised for its robust regulatory framework for payments and virtual financial assets.

Company Overview

ONE.io was founded in 2017 as an OTC digital asset trading desk, serving high-net-worth individuals, corporates, and institutional clients globally. Recognising that our clients – generally in sectors underserved by the traditional banking system – were facing tremendous difficulty in the movement of fiat funds, we undertook to resolve this industry pain point by shifting our focus toward the provision of payment services. We subsequently acquired our PI licence from the FCA in 2020, and launched our proprietary payments platform in 2021.

Today we provide a unified end-to-end financial services solution for corporate clients through our core propositions - ONE.io Connect (Payments Platform), ONE.io Fusion (OTC Crypto Trading and Crypto Gateway). We leverage a strong network of banking partners and regulatory licenses to serve clients effectively on a global scale.

Through a single onboarding journey with us, clients get access to a full suite of products and services, including named IBANs in multiple fiat currencies, foreign exchange, and access to payment rails including SWIFT, SEPA, Faster Payments and CHAPS.

The ONE.io Group is very culture-driven and employees live by our values which include:

• Ingenuity: Constantly improving with creativity and confidence
• Integrity: Brave and tenacious in pursuit of equality
• Unity: A team empowered by shared beliefs and commitment
• Dedication: Intuitive to our customers needs and accountable for our actions

Role Overview

We are seeking a highly experienced and diligent Money Laundering Reporting Officer (MLRO) to lead and oversee the company’s anti-money laundering (AML), counter-terrorist financing (CFT), and local financial crime compliance framework. The MLRO will play a critical role in ensuring adherence to the requirements of the local Financial Services Authority (MFSA), the Financial Intelligence Analysis Unit (FIAU), and the evolving EU regulatory landscape, including the Markets in Crypto-Assets Regulation (MiCA), where applicable.

Key Responsibilities

Regulatory Compliance & Governance

• Act as the designated MLRO in accordance with Maltese regulatory requirements, serving as the primary point of contact with the MFSA and FIAU.
• Ensure full compliance with the Prevention of Money Laundering Act (PMLA), FIAU Implementing Procedures, and relevant EU Directives.
• Oversee the implementation and ongoing compliance with MiCA requirements where the business involves crypto-asset services.
• Maintain up-to-date knowledge of regulatory developments and ensure timely implementation of required changes.
  

AML/CFT Framework

• Develop, implement, and maintain robust AML/CFT policies, procedures, and controls tailored to the company’s risk profile.
• Conduct and oversee the Business Risk Assessment (BRA) and Customer Risk Assessments (CRA).
• Ensure effective customer due diligence (CDD), enhanced due diligence (EDD), and ongoing monitoring processes.
• Oversee transaction monitoring systems and suspicious activity detection mechanisms.

Reporting & Investigations

• Review, investigate, and escalate suspicious activities and transactions.
• Submit Suspicious Transaction Reports (STRs) to the FIAU in a timely and accurate manner.
• Maintain proper records of all AML-related investigations and decisions.

Risk Management

• Identify, assess, and mitigate money laundering and terrorist financing risks across the organization.
• Provide regular reporting to senior management and the Board on AML/CFT risks, trends, and compliance status.
• Ensure alignment between AML controls and overall enterprise risk management frameworks.

Training & Awareness

• Develop and deliver AML/CFT training programs to all staff, ensuring awareness of regulatory obligations and internal procedures.
• Promote a strong compliance culture across the organization.

Collaboration & Advisory

• Advise senior management and internal stakeholders on AML/CFT and financial crime matters.
• Work closely with compliance, legal, risk, and product teams to ensure compliance-by-design in all business activities.
• Support regulatory inspections and audits, including preparation of documentation and responses.

Skills and Experience

Experience

• Demonstrable experience in AML/CFT, compliance, or financial crime within financial services, fintech, or crypto-asset firms.
• Proven experience acting as or supporting an MLRO role in a regulated environment.
• Strong familiarity with Maltese regulatory frameworks, including MFSA and FIAU requirements.
• Experience with crypto-assets (e.g., The Travel Rule) and understanding of MiCA obligations is highly desirable.
• Experience with Risk Evaluation Questionnaires

Skills

• Strong analytical and investigative skills with attention to detail.
• Ability to interpret and apply complex regulatory requirements.
• Excellent communication and stakeholder management abilities.
• High level of integrity, professionalism, and discretion.

Qualifications

• Bachelor’s degree in Law, Finance, Business, or a related field.
• Professional certifications such as CAMS or ICA are strongly preferred.
• The appointed MLRO will be subject to regulatory approval by the local Financial Services Authority (MFSA) and must satisfy “fit and proper” criteria, including competence, integrity, and solvency.

ONE prides itself on being an equal opportunities employer. We will always hire people based on merit and will never discriminate against someone based on gender, race, religion, or background.

This role is based in Malta, unfortunately, we cannot offer sponsorship at present.