Mellifera Kartiera Limited is looking for AML Specialists to join our Transaction Monitoring and AML Compliance team. In this role, you will play a critical part in ensuring that the company adheres to AML regulations and conducts real-time monitoring of transactions. You will work closely with the Money Laundering Reporting Officer (MLRO) to ensure that suspicious activities are detected, reported, and investigated in accordance with the highest compliance standards.
The successful candidates will be responsible for reviewing and investigating flagged transactions, compiling regular reports, and assisting in the preparation of Suspicious Activity Reports (SARs). You will be a key contributor to maintaining a strong AML framework and ensuring that our organization meets regulatory requirements.
Key Responsibilities: Real-Time Transaction Analysis:
Review transactions flagged by automated monitoring systems for potential suspicious activities.
Investigate flagged transactions to determine whether they meet the criteria for further scrutiny under AML regulations.
Analyze customer transaction patterns to identify any anomalies or inconsistencies with established behavioral profiles.Ongoing Compliance Reporting:
Compile transaction reports detailing potential suspicious activities for review by the MLRO.
Provide regular updates to the MLRO regarding trends, patterns, and areas of concern identified during daily transaction monitoring.
Maintain detailed records of all transaction reviews and associated actions, ensuring transparency and auditability.Case Escalation and SAR Preparation:
Assist the MLRO in the preparation of Suspicious Activity Reports (SARs) when warranted.
Work closely with the MLRO to ensure timely escalation of high-risk or suspicious cases.
Ensure that all escalation procedures are followed and documented in compliance with regulatory guidelines.Daily Monitoring and Reporting:
Conduct day-to-day transaction monitoring and provide regular summaries to the MLRO regarding findings and ongoing cases.
Maintain an up-to-date understanding of current AML regulations and ensure that all activities align with legal requirements.
Support the continuous improvement of monitoring systems and internal processes to enhance compliance practices.Skills and Qualifications: Experience with fintech, EMI, or banking industries is required.3-5 years of experience in AML compliance, transaction monitoring, or a related field.Strong understanding of AML regulations and transaction monitoring processes.Experience with suspicious activity detection, including investigating and reporting potential fraud or money laundering activities.Familiarity with automated monitoring systems and how to assess flagged transactions.Ability to prepare Suspicious Activity Reports (SARs) and escalate cases as necessary.Strong analytical and investigative skills, with a keen eye for detail.Excellent written and verbal communication skills for reporting and documentation.Knowledge of financial services, fintech, or regulated industries is a plus.Education & Certifications: Bachelor's degree in Finance, Law, Business, or a related field (preferred).Professional certifications in AML or related fields (e.g., ICA certifications) are highly desirable.Why Join Us? Medical insurance for employees, providing peace of mind and well-being.Career and personal development opportunities supported by the employer to help you grow in your role and throughout your career.Be part of a highly skilled and collaborative team.Work in a fast-paced, dynamic environment with opportunities for professional growth.Contribute directly to maintaining the integrity and reputation of the company through effective AML compliance and transaction monitoring practices.Additional Information: Salary: 35,000 - 40,000 EUR gross annually.The person should be located in Malta.
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