Money Laundering Reporting Officer

About the role

Rakuten Viber is seeking a senior Money Laundering Reporting Officer (MLRO) to lead financial crime compliance for its global payment services. The MLRO will act as the designated regulatory function holder, ensuring adherence to Maltese AML/CFT legislation and maintaining strong relationships with regulators.

Key responsibilities

• Serve as the primary contact with the FIAU, MFSA, SMB and other regulators.
• Develop, implement and maintain AML/CFT policies, procedures and controls.
• Maintain Business and Customer Risk Assessments and apply a risk‑based approach across products and jurisdictions.
• Oversee Customer Due Diligence, onboarding, ongoing monitoring, transaction monitoring, sanctions screening and adverse media checks.
• Receive, assess and report suspicious activity to the FIAU within required timeframes.
• Lead AML/CFT regulatory reporting, including the Risk Evaluation Questionnaire and other submissions.
• Collaborate with Product and Engineering teams to embed compliance‑by‑design.
• Provide AML training, advise senior management and prepare regular MLRO reports for the Board.

Required profile

• Proven senior experience in AML/CFT compliance within a fast‑scaling payments or financial services environment.
• Strong independence, seniority and ability to operate under regulatory pressure.
• Excellent knowledge of Maltese AML legislation, PML/FTR, FIAU requirements and EU directives.
• Demonstrated ability to develop risk‑based frameworks and manage regulator relationships.

Required skills

• In‑depth understanding of AML/CFT policies, KYC/CDD processes and transaction monitoring.
• Experience with sanctions screening, adverse media checks and suspicious activity reporting.
• Ability to produce regulatory reports and maintain comprehensive compliance documentation.