Head of Compliance – Risk

OnePay

. Liaise with regulators and assist in responding to queries, information requests, and licensing conditions .

Posted 9/18/2026full-timeMellieha • MaltaLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in regulatory compliance within financial services, particularly in relation to PSD2, AML/CFT, and MiCA. Proficient in enterprise risk management, compliance frameworks, and stakeholder communication.

Highest-signal resume keywords

Regulatory ComplianceEnterprise Risk ManagementPSD2 ComplianceAML/CFT KnowledgeCrypto-Asset Risk Assessment

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Compliance Framework DesignRisk AssessmentRegulatory Licensing SupportCompliance MonitoringInternal Control MechanismsGovernance FrameworksDORA ComplianceScenario AnalysisStress TestingMarket Abuse Monitoring

Soft Skills

Analytical SkillsProblem-SolvingDecision-MakingCommunication SkillsStakeholder Management

Certifications & Qualifications

ICA CertificationCAMS Certification

Industry Keywords

Financial ServicesFintechPaymentsEU Regulatory FrameworksMiCACrypto-AssetsPayment InstitutionCompliance TrainingClient Fund SafeguardingOperational Risk

Tech Stack

Tools & technologies

Cyber Security

About the role

Key responsibilities & impact

Liaise with regulators and assist in responding to queries, information requests, and licensing conditions
Ensure continuous compliance with authorization requirements, including governance, internal controls, and compliance frameworks
Design, implement, and maintain the compliance framework, policies, and procedures
Establish compliance monitoring programs and internal control mechanisms
Ensure policies address PSD2, AML/CFT, MiCA, and future PSD3 requirements
Provide regulatory compliance advice to senior management
Interpret regulatory requirements and monitor regulatory developments in Malta and the EU
Oversee product compliance and governance frameworks
Assess risks related to crypto-asset services, including custody, trading, market abuse, volatility, and technology vulnerabilities
Oversee safeguarding of client funds and coordinate annual audits
Manage custody and private-key governance risk
Handle statutory complaints
Identify, assess, and mitigate compliance, operational, financial, liquidity, fraud, IT/cybersecurity, and crypto-asset risks
Conduct enterprise-wide risk assessments, scenario analyses, and stress testing
Develop and maintain enterprise and functional risk registers
Develop and maintain DORA compliance and ICT risk management
Conduct compliance monitoring reviews and report findings to senior management
Track timely remediation of identified issues
Prepare compliance and risk reports for the Board and relevant committees
Monitor MiCA market abuse and complete SMAR reporting
Monitor risk exposures and adherence to risk appetite
Escalate material risks and incidents
Support compliance training and promote a culture of compliance and ethical conduct
Collaborate with legal, product, operations, and technology teams on compliance-by-design
Provide input into onboarding, safeguarding arrangements, and payment flows

Requirements

What you’ll need

Measurable experience in compliance within financial services, fintech, or payments
Experience supporting regulatory licensing processes, preferably for a Payment Institution (PI) or similar regulated entity
Strong understanding of EU regulatory frameworks, including PSD2, AML/CFT requirements, MiCA, and PSD3
Exposure to crypto-assets and knowledge of MiCA is highly desirable
Strong understanding of enterprise risk management principles and regulatory expectations
Ability to assess complex and emerging risks, particularly in fintech and crypto environments
Excellent analytical, problem-solving, and decision-making skills
Strong communication and stakeholder management abilities
Bachelor’s degree in Law, Finance, Business, or a related field
Professional certifications (e.g., ICA, CAMS, or equivalent) are an advantage
Must be based in Malta
Must be able to work without sponsorship, as sponsorship is not currently offered

Benefits

Comp & perks

Equal opportunities employer; hiring based on merit without discrimination based on gender, race, religion, or background
No sponsorship is currently offered