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Financial Crime Compliance Analyst (Crypto & Banking)

Medirect · Tas-Sliema, Malta
// classified as
Other (Adjacent or hard to classify.)
posted
1d ago
location
Tas-Sliema, Malta
languages
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> description

MeDirect is a Maltese digital bank, founded in 2004, with over 160,000 clients and operations in Malta and Belgium. We offer a wide range of financial services to both retail and corporate clients, including daily banking, savings, and corporate services.

 

We are always on the lookout for determined and hard-working individuals who are eager to take the next step in their career. At MeDirect, we strive to provide an exceptional employment experience, fostering growth, collaboration, and innovation


Role Overview:

We are seeking two Financial Crime Compliance professionals with 3–8 years of relevant prior experience to support the FCC framework across both a Crypto-Asset Service Provider (CASP) and traditional financial services/banking activities.


The role will focus on ensuring effective implementation of AML/CFT controls, transaction monitoring, (as ancillary aspect support to regulatory compliance), helping the business in managing financial crime risks in both digital asset and  in traditional banking  FCC environment .


1.Traditional Finance/Banking - First 6/9 months on the job

Key responsibilities:

Role objective: Ensure continuity of AML/CFT operations, monitoring activities, and regulatory deliverables.

 

  • Transaction monitoring & case handling
    • Review and manage alerts escalated by the first line
    • Perform AML investigations and ensure proper documentation of cases
    • Contribute to timely escalation and decision-making
  • Suspicious activity reporting
    • Draft STRs to the FIU (for review by the AMLCO)
    • Support responses to requests from FIU, law enforcement and other authorities
  • Monitoring plan execution
    • Contribute to the delivery of the Compliance Monitoring Plan (AML scope)
    • Assess effectiveness of AML processes and controls and document findings
  • Regulatory reporting
    • Support preparation of AML reports for NBB and other authorities
    • Ensure quality and consistency of regulatory submissions
  • Advisory & training
    • Provide guidance to the first line on AML/CFT requirements
    • Support training initiatives where needed
  • Continuous improvement
    • Contribute to improvements of AML processes, tools, and methodologies
    • Provide feedback on efficiency and risk-based adjustments


2.  Crypto FCC – as subsequent activity to the first 6/9 months on the job

Key responsibilities:

Governance & Risk-Based Framework

  • Establish a risk-based AML/CFT framework specifically addressing crypto-asset risks;
  • Define risk appetite covering:
    • Client types (retail, institutional)
    • Supported assets (BTC, ETH, stablecoins, etc.)
    • Transaction thresholds and risk triggers


Wallet Infrastructure Controls Ensure secure custody, traceability, and control of digital assets.

  • Use of third party governance and policy engine to enforce:
    • Multi-party approval (MPC-based approvals)
    • Segregation of duties (initiation vs approval)
    • Transaction limits and whitelisting
  • Maintain wallet segregation:
    • Client assets vs corporate treasury
  • Implement:
    • Withdrawal controls (e.g., address whitelisting)
    • Time delays or cooling-off periods for withdrawals
  • Record full audit trails of wallet activity


Blockchain Monitoring & Screening (Chainalysis)Detect and prevent exposure to illicit wallets, sanctioned entities, and high-risk activity.

  • Perform pre-transaction and post-transaction screening using Chainalysis:
    • Wallet risk scoring
    • Exposure to darknet, mixers, ransomware, fraud
  • Block or flag transactions involving:
    • Sanctioned addresses (OFAC, EU, UN lists)
    • High-risk categories (e.g., illicit services, scams)
  • Monitor:
    • Incoming and outgoing wallet activity
    • Counterparty risk exposure

Alert Handling

  • Investigate alerts triggered by:
    • High-risk wallet interactions
    • Abnormal transaction patterns
  • Escalate and document suspicious cases
  • File STRs where required

Travel Rule Compliance Ensure compliance with the EU Transfer of Funds Regulation (TFR) for crypto transfers.

  • Capture and transmit required originator and beneficiary information:
  • Verify counterparties:
  • Apply controls for:
    • Transfers to/from unhosted wallets
    • Missing or incomplete Travel Rule date

Operational Controls

  • Integrate third party system to:
    • Automate Travel Rule messaging
    • Validate counterparty data before transaction execution
  • Block or delay transfers where:
    • Required data is incomplete
    • Counterparty risk is unacceptable

Transaction Monitoring (Crypto)Detect suspicious activity crypto ecosystems.


3. Regulatory Compliance Support

Key responsibilities:

    • Prepare and review internal and external compliance reporting
    • Oversee execution of controls in regulatory compliance areas
    • Ensure proper documentation of controls and follow-up of remediation actions
    • Represent Compliance in relevant committees (MiFID, governance, product committees)
Apply at Medirect →