AML Analyst
eToro is a social investing platform for trading and managing stocks, ETFs, crypto and other assets.
Funding history
Projects
About eToro
eToro is a social investing platform (etoro.com) offering stocks, ETFs, crypto and other assets to retail users worldwide, with a real and long-standing crypto business (eToro Money crypto wallet).
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will provide independent second-line oversight of AML/CFT controls for crypto-asset activities. You will review escalations and suspicious activity assessments, maintain compliance policies, assess monitoring controls, oversee providers, monitor regulatory developments, and support regulatory examinations and MiCA compliance initiatives.
Requirements
- At least three years of experience in AML or Financial Crime Compliance, including Second Line oversight
- Experience with crypto-assets, VASPs/CASPs, payments, or card products
- Knowledge of Malta's AML framework, including the PMLA, PMLFTR, and FIAU Implementing Procedures
- 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 supervisory role
- Experience supporting MLRO activities, including escalation reviews and suspicious activity assessments
- Knowledge of blockchain analytics tools such as Chainalysis, Elliptic, or TRM Labs
- Ability to provide independent challenge to the First Line of Defence
- Ability to use AI responsibly to analyse AML data and support human-reviewed compliance decisions
Responsibilities
- Review and challenge AML escalations from the First Line of Defence
- 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 identification of financial-crime typologies
- Support suspicious activity assessments, draft STRs/SARs, and blockchain analysis
- Review and maintain AML/CFT policies, procedures, and standards
- Oversee AML-related outsourced services, including blockchain analytics, KYC, and screening providers
- Assess AML risk assessments, customer-risk methodologies, and transaction-monitoring controls
- Monitor FIAU, MFSA, EBA, and ESMA regulatory developments
- Analyse escalations, typologies, and thematic findings for management and Board reporting
- Support regulatory examinations, audits, supervisory engagements, and remediation projects
- Contribute to MiCA authorisation and ongoing compliance initiatives
