# 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](https://apply.workable.com/ballingerco/j/02D95ED901/apply) --- Powered by [Workable](https://www.workable.com)