Job Description:
We are representing a growing fintech business seeking an experienced Lead Risk & Compliance professional for their Malta offices to take ownership of the company's regulatory, risk, and compliance framework within a highly regulated environment.
This is a standalone, senior level role offering the opportunity to act as the key regulatory function holder (subject to MFSA approval), working closely with senior leadership and the Board to shape and embed best in class governance and compliance practices.
If you are confident operating autonomously, enjoy building structure, and thrive in fast-paced, regulated environments, this role offers strong visibility and long-term career impact.
What You Will Do:
As Lead Risk & Compliance, you will take full ownership of the company's risk and compliance function, ensuring alignment with MFSA and EU regulatory requirements.
Key responsibilities include:
- Act as the designated Risk and/or Compliance function holder
- Lead and enhance the company's risk management and compliance frameworks
- Serve as the primary point of contact with the MFSA and relevant regulatory bodies
- Monitor regulatory developments and advise the business on implications and required actions
- Oversee regulatory reporting, submissions, and ongoing compliance obligations
- Ensure policies, procedures, and controls align with AML/CFT, conduct, and prudential requirements
- Own the enterprise-wide risk framework, including risk registers and risk appetite
- Conduct risk assessments across operational, regulatory, financial crime, and technology areas
- Develop and report on key risk indicators (KRIs) and mitigation strategies
- Support incident management and remediation processes
- Oversee or partner closely with AML/financial crime functions to ensure robust controls
- Support audits, regulatory inspections, and compliance reviews
- Deliver training and guidance to foster a strong culture of compliance across the business
- Partner with Product, Operations, and Technology teams to ensure compliant design and delivery
All About You:
- 5–7+ years' experience in risk and/or compliance within fintech or financial services (EMI, payments, banking, or e-money preferred)
- Strong experience working with or within MFSA regulatory frameworks, but not limited to this
- Proven ability to operate in a standalone or senior-level compliance role
- Experience engaging directly with regulators and supporting inspections or submissions
- Deep understanding of risk management frameworks and compliance controls
- Strong stakeholder management and communication skills
- Ability to work autonomously and build scalable structures
- Commercial mindset with a pragmatic approach to compliance
- High integrity and credibility at senior level
Highly desirable:
- Experience within a regulated Maltese entity (EMI/PI/financial institution)
- Professional certifications (ICA, ACAMS, or equivalent)
- Eligibility for MFSA Personal Questionnaire (PQ) approval
Additional Information
- Malta-based opportunity (hybrid working)
- Key regulatory role with direct exposure to senior leadership and Board
- High growth fintech environment
- Opportunity to shape and lead the compliance function
If you are a commercially minded Risk & Compliance leader looking for a high-impact role within a growing fintech, we would love to tell you more.