AML Analyst

Role location and working style:

This is position is based in Mosta, Malta with an in-office and hybrid set up. Remote set up is not possible.

Aboute Toro:

eTorois the platform where you can trade, invest,save,and spend. Founded in 2007 with the vision of a world where everyone can trade and invest in a simple and transparent way,we'vebuilt a regulated, Nasdaq-listed platform used by millions of people in 75 countries.

We believe there is power in shared knowledge. By combining the collective intelligence of our community with AI-powered tools,we'vecreated a collaborative investment community designed to help you grow your knowledge and wealth.

One Toro, you can hold a range of traditional and innovative assets and choose how you invest: trade directly, invest in a portfolio, copy other investors, or invest with an AI agent. Visit our Media Centre for the latest news.

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Torohere.

Role Summary

The AML Compliance Analyst operates as part of the Second Line of Defence, providing independent oversight and challenge of the organisation's AML/CFT framework, with particular focus on crypto-asset activities regulated under the Markets in Crypto-Assets Regulation (MiCA) and Malta's Prevention of Money Laundering Act (PMLA) and Prevention of Money Laundering and Funding of Terrorism Regulations (PMLFTR). The role supports the MLRO in discharging obligations to the FIAU (as AML/CFT supervisor) and in meeting conduct and prudential expectations set by the MFSA as competent authority for Crypto-Asset Service Providers (CASPs) under MiCA.

Key Responsibilities

• Review and challenge AML escalations from the First Line, including high-risk customers, complex transaction monitoring alerts and crypto-related cases.
• Assess risks involving PEPs, sanctions, adverse media, mixers, privacy coins, unhosted wallets, chain-hopping and high-risk VASP counter parties.
• Use AI-enabled tools to enhance AML monitoring, risk assessment, investigations and the identification of emerging crypto-related financial crime typologies.
• Support the MLRO with suspicious activity assessments, including the preparation and review of draft STRs/SARs and relevant blockchain analysis.
• Review and maintain AML/CFT policies, procedures and standards to ensure compliance with the PMLA, PMLFTR, FIAU Implementing Procedures, MiCA and Travel Rule requirements.
• Oversee AML-related outsourced services, including blockchain analytics, KYC and screening providers.
• Assess the effectiveness of AML risk assessments, customer risk methodologies and transaction monitoring controls, recommending improvements where required.
• Monitor regulatory developments from the FIAU, MFSA, EBA and ESMA and assess their impact on the control framework.
• Analyse AML escalations, emerging typologies and thematic findings for management and Board reporting.
• Support MFSA and FIAU examinations, audits, supervisory engagements and regulatory remediation projects.
• Contribute to MiCA authorisation and ongoing compliance initiatives.