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.

About eToro:

eToro is 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've built 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've created a collaborative investment community designed to help you grow your knowledge and wealth.

On eToro, 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.

You can find out more about eToro .

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 counterparties.
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.
At least three years’ experience in AML or Financial Crime Compliance, including Second Line oversight.
Experience with crypto-assets, VASPs/CASPs, payments or card products.
Strong knowledge of Malta’s AML framework, including the PMLA, PMLFTR and FIAU Implementing Procedures.
Good understanding of MiCA, the Travel Rule under Regulation (EU) 2023/1113 and relevant EBA guidance.
Familiarity with MFSA CASP authorisation and supervision requirements, and the FIAU’s role as AML/CFT supervisor.
Experience supporting MLRO activities, including escalation reviews and suspicious activity assessments.
Knowledge of blockchain analytics tools such as Chainalysis, Elliptic or TRM Labs is advantageous.
ICA, ACAMS or another relevant professional qualification is advantageous.
Ability to exercise independent judgement and provide effective challenge to the First Line of Defence.
Demonstrated ability to use AI responsibly to analyse complex AML data, improve control effectiveness and support well-documented, human-reviewed compliance decisions.

Our Hiring Philosophy:

At eToro, AI is changing how we build, work and make decisions, and our hiring approach reflects that. We are building an AI-first organisation where people are encouraged to use AI thoughtfully.

That starts with how we hire. Throughout our recruitment process, we may use AI-enabled tools, including interview notetakers and other technologies that help us capture information accurately, improve consistency and create a better experience for candidates and interviewers. These tools support our feedback and assessment outcomes. Hiring decisions remain grounded in running fair and consistent interview processes, human judgement, critical thinking, and thorough evaluation of experience, ability and motivation that are aligned to our business and role requirements.

We also want candidates to be comfortable working with AI. Depending on the role, we may explore how you use AI tools in your day-to-day work, how you think about their opportunities and limitations, and how you would contribute to eToro’s continued AI build-out.

For us, being AI-first is not about replacing human judgement. It is about combining human expertise, creativity and accountability with technology that helps us do our best work and accelerate our growth. In the end, that's what we're hiring for: human insight, supercharged by AI.

AML Analyst

Job Description