AML & Transaction Monitoring Specialist

AML & Transaction Monitoring Specialist

Ballinger Group · Central Business District, Malta · Full-time · Posted 2026-11-10

Salary: EUR 35,000–40,000

Workplace: on_site

Department: Ballinger EU

Description

Role Overview
The AML & Transaction Monitoring Specialist will support the day-to-day operation of the Group’s Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) framework. The role will focus primarily on transaction monitoring, investigation of alerts and unusual activity, AML customer due diligence, enhanced due diligence, ongoing monitoring reviews, and the maintenance of accurate AML/KYB records.

The successful candidate will have approximately 2–4 years of relevant AML/KYB, financial crime or transaction monitoring experience and will work closely with the MLRO, Compliance team, and relevant business and operational functions across the Group.

Key Responsibilities

Transaction Monitoring and Investigations

• Conduct transaction monitoring reviews and investigate unusual or potentially suspicious customer activity in a timely and thorough manner.
• Analyse transactional activity against expected customer behaviour, customer profiles, risk ratings and identified risk factors.
• Review and disposition transaction monitoring alerts, gathering and assessing relevant information (including CDD/KYB data, SoF/SoW and supporting documentation) to support investigations.
• Prepare clear, concise and well-reasoned transaction monitoring review reports, documenting findings, rationale and recommended next steps.
• Escalate potentially suspicious activity in accordance with internal procedures.
• Support the preparation of internal suspicious activity reports and provide information required for Suspicious Transaction Reports (STRs), where appropriate.

Customer Due Diligence and Ongoing Monitoring

• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews in accordance with applicable regulatory requirements and internal policies and procedures.
• Review customer identification and verification documentation, beneficial ownership and control structures, Source of Funds (SoF), Source of Wealth (SoW), and other relevant KYB information.
• Carry out customer risk assessments and ensure risk ratings are appropriately documented and supported.
• Conduct periodic and event-driven reviews of existing customers and ensure records remain complete, accurate and up to date.
• Conduct or support PEP, sanctions and adverse media screening and review potential matches in accordance with internal procedures.
• Identify and escalate AML/CFT risks, inconsistencies and red flags to the MLRO or senior Compliance personnel as appropriate.

AML Controls and Monitoring

• Support the execution of the AML Monitoring Programme through sample reviews, file testing and other monitoring activities.
• Assist with thematic reviews and control testing under the guidance of senior Compliance personnel.
• Identify potential control weaknesses or procedural gaps and escalate findings appropriately.
• Assist with remediation activities arising from monitoring reviews, internal audits, external audits or regulatory reviews.
• Maintain appropriate supporting documentation and evidence of AML control activities.

Regulatory and Internal Reporting

• Assist with the preparation of AML/CFT-related management information and internal compliance reporting.
• Support regulatory information requests and data-gathering exercises as required.
• Maintain complete and accurate AML/KYB records and audit trails.
• Assist the MLRO and Compliance team with the collation of information required for regulatory or internal reporting.

Regulatory Developments

• Keep up to date with relevant AML/CFT regulatory and industry developments affecting Ballinger Europe Limited, Ballinger Markets Ltd and the wider Group.
• Support the Compliance team with the implementation of procedural changes arising from regulatory developments.

Business and Group Support

• Provide day-to-day AML/KYB and transaction monitoring support to business and operational teams, escalating more complex matters where appropriate.
• Respond to routine AML/KYB and transaction monitoring queries in accordance with internal policies and procedures.
• Collaborate with colleagues across the Group on AML, KYB, transaction monitoring, compliance and remediation projects.
• Support awareness of AML/CFT requirements and good compliance practices across the business.
• Perform other duties that are reasonably required and appropriate to the level of the role.

Requirements

Skills and Experience

• 2–4 years of relevant experience in AML, KYB, financial crime, compliance, or a similar role within financial services.
• Practical experience conducting CDD and, ideally, EDD reviews.
• Experience with periodic reviews, ongoing monitoring, or transaction monitoring.
• Good understanding of customer risk assessment, beneficial ownership, PEPs, sanctions, adverse media, Source of Funds, and Source of Wealth.
• Ability to identify AML/CFT red flags and escalate concerns appropriately.
• Experience reviewing customer or transactional information and documenting conclusions clearly.
• Strong analytical skills and attention to detail.
• Good written and verbal communication skills.
• Ability to manage a varied workload and meet deadlines.
• Ability to work independently on routine cases while seeking guidance on more complex or higher-risk matters.
• Comfortable working collaboratively with Compliance, Operations, and business teams.

Desirable Experience

• Experience within payments, foreign exchange, electronic money, banking, brokerage, or another regulated financial services environment.
• Familiarity with applicable Local and EU AML/CFT regulatory requirements.
• Exposure to compliance monitoring, control testing, remediation exercises, or regulatory reporting.
• Relevant AML or compliance qualification, or progress towards one.

Reporting Line

The selected candidate will report to the Money Laundering Reporting Officer (MLRO).

Benefits

Benefits

Benefits

• Competitive base salary of €35,000 to €40,000, depending on experience.
• Performance-related bonus.
• Professional development and progression in a fast-growing, regulated financial-services group.
• Health insurance.
• Life cover.
• Excellent career-development prospects within a growing, dynamic and ambitious international organisation.

Apply

Apply at Ballinger Group

---

Powered by Workable