Risk & Compliance Lead

Role Overview

• Lead identification, assessment, and monitoring of risk across operational, strategic, environmental, compliance, financial crime, and technology risk
• Work with department heads to embed risk awareness and support consistent risk assessments
• Own and maintain the enterprise risk framework, including risk register, risk appetite, KRIs, and control effectiveness, ensuring it accurately reflects exposures across all group entities
• Implement remediation actions and compensating controls, ensuring risks are mitigated and tracked to closure
• Maintain and update risk and compliance policies in line with regulatory and business changes, audit findings, and corrective actions
• Report quarterly to senior management and the Board on risk exposure, KRIs, and mitigation progress
• Ensure BAU compliance for the Malta entity, including regulatory reporting and submissions
• Monitor and assess the adequacy and effectiveness of measures and procedures in place to meet the company's regulatory obligations
• Maintain compliance framework aligned with MFSA requirements, including AML/CFT, conduct, and prudential rules
• Act as primary contact with the MFSA and other regulators, managing inspections and submissions
• Monitor regulatory changes in Malta and the EU and advise on required actions
• Record compliance breaches in writing, along with action taken, and ensure remediation actions are completed
• Work with the MLRO and financial crime function on AML/CFT matters
• Support internal and external audits and regulatory inspections
• Maintain and evolve a consistent group risk framework across regulated sister companies as the business grows

Requirements

• University degree in Law, Finance, Risk, Compliance, or related field
• Obtaining MFSA PQ status is a requirement
• Professional certifications (e.g., ICA, ACAMS, risk/compliance diplomas) are a plus
• 5+ years in risk/compliance within financial services or fintech in Malta (ideally EMI, payments, banking, or e-money)
• Fluency in English at C1+ level, both written and spoken
• Strong knowledge of MFSA regulatory frameworks and experience with inspections and submissions
• Familiarity with other relevant regulatory frameworks (e.g. FCA, CBC, FINTRAC) is a plus
• Good understanding of EU regulatory requirements and risk management frameworks
• Ability to operate independently in a senior role with strong stakeholder management and commercial awareness
• High integrity and sound professional judgment
• Experience within a regulated Maltese entity (EMI/PI/financial institution) is a plus.

Benefits

• Wellness contribution
• Health insurance