Finanzi

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Finanzi, a Malta-based professional services group offering accounting, audit, compliance, corporate services, advisory and immigration services, including a Class C Company Service Provider authorised by the MFSA, is seeking an MLRO &amp; Compliance Advisor to run its AML/CFT and regulatory compliance functions and advise its service teams.&nbsp;

The role:
Finanzi is hiring one compliance professional to run its AML/CFT and regulatory compliance functions and to advise its service teams. Candidates without a prior MLRO title are welcome if they bring solid compliance advisory and AML experience.&nbsp;
The purpose of the role is to keep Finanzi compliant with the PMLFTR, the FIAU Implementing Procedures and its MFSA Class C CSP licence conditions, while helping the business take on good clients efficiently.&nbsp;
It combines three functions: MLRO (AML/CFT and reporting), Compliance Officer (MFSA licence obligations) and Compliance Advisor (day-to-day guidance to client-facing teams).&nbsp;
Key Responsibilities:
Regulatory Liaison and Reporting&nbsp;
Act as the appointed MLRO and central point of contact with the FIAU and the MFSA.&nbsp;
Receive and investigate internal suspicion reports, document decisions and submit Suspicious Transaction Reports (STRs) to the FIAU in a timely manner.&nbsp;
Manage regulatory submissions, including the annual REQ, questionnaires and FIAU requests for information.&nbsp;
Coordinate regulatory inspections, thematic reviews and external audits, and oversee any resulting remediation.&nbsp;
Prepare and present quarterly MLRO and Compliance reports and AML/CFT management information for the Board.&nbsp;
Framework and Risk Assessment&nbsp;
Maintain and update AML/CFT policies, procedures and controls, including periodic gap analyses.&nbsp;
Oversee and update the Business Risk Assessment, the Customer and Jurisdictional Risk Assessment methodologies, the Risk Appetite Statement and the client risk register.&nbsp;
Monitor the adequacy and effectiveness of AML/CFT controls and risk management policies and the level of adherence by staff.&nbsp;
Ensure alignment with the PMLA, PMLFTR, FIAU Implementing Procedures (Parts I and II for CSPs, Accountants &amp; Auditors and Tax Advisors), FATF Recommendations and MFSA expectations.&nbsp;

Due Diligence and Monitoring:&nbsp;
Review and approve CDD and EDD files at onboarding and periodic review, obtaining senior management approval for high-risk and PEP relationships.&nbsp;
Approve or refuse high-risk clients, and recommend exiting relationships where risk cannot be mitigated.&nbsp;
Assess source of wealth and source of funds, including through financial statements, contracts and transaction documents.&nbsp;
Oversee ongoing monitoring, sanctions and PEP screening, adverse-media screening and enhanced oversight of high-risk clients.&nbsp;
Advise on red flags in client records, unusual transactions and gaps between activity and declared business&nbsp;
Provide guidance to client-facing teams on AML/CFT requirements.&nbsp;
CSP Compliance&nbsp;
Ensure ongoing compliance with the Company Service Providers Act, the MFSA CSP Rulebook and the conditions of Finanzi's Class C licence.&nbsp;
Design and run an annual, risk-based Compliance Monitoring Programme, and track findings to closure.&nbsp;
Maintain the Compliance Manual and related policies: conflicts of interest, outsourcing, record keeping, complaints and breach reporting.&nbsp;
Monitor directorship and company secretary appointments held by Finanzi officers, including time commitment, conflicts and the real oversight each role requires.&nbsp;
Assess and record breaches and incidents, and notify the MFSA where required.&nbsp;
Carry out due diligence on outsourced service providers and review the related agreements.&nbsp;
Monitor regulatory developments in Malta and the EU, and assess their impact on Finanzi.&nbsp;
Training and Continuous Improvement&nbsp;
Deliver AML/CFT training across the organisation, maintain training logs and promote a strong compliance culture.&nbsp;
Monitor regulatory developments, including the EU AML package and AMLA, and update internal frameworks accordingly.&nbsp;
Oversee Deputy MLRO or Designated Employee cover arrangements.&nbsp;

&nbsp;
<h4 style="margin-top: 24px;" class="heading requirements">Requirements</h4><ul class="jobDescList requirements"><li>Act as the appointed MLRO and central point of contact with the FIAU and the MFSA. </li><li>Receive and investigate internal suspicion reports, document decisions and submit Suspicious Transaction Reports (STRs) to the FIAU in a timely manner. </li><li>Manage regulatory submissions, including the annual REQ, questionnaires and FIAU requests for information. </li><li>Coordinate regulatory inspections, thematic reviews and external audits, and oversee any resulting remediation. </li><li>Prepare and present quarterly MLRO and Compliance reports and AML/CFT management information for the Board. </li><li>Maintain and update AML/CFT policies, procedures and controls, including periodic gap analyses. </li><li>Oversee and update the Business Risk Assessment, the Customer and Jurisdictional Risk Assessment methodologies, the Risk Appetite Statement and the client risk register. </li><li>Monitor the adequacy and effectiveness of AML/CFT controls and risk management policies and the level of adherence by staff. </li><li>Ensure alignment with the PMLA, PMLFTR, FIAU Implementing Procedures (Parts I and II for CSPs, Accountants & Auditors and Tax Advisors), FATF Recommendations and MFSA expectations. </li><li>Review and approve CDD and EDD files at onboarding and periodic review, obtaining senior management approval for high-risk and PEP relationships.</li><li>Approve or refuse high-risk clients, and recommend exiting relationships where risk cannot be mitigated.</li><li>Assess source of wealth and source of funds, including through financial statements, contracts and transaction documents. </li><li>Oversee ongoing monitoring, sanctions and PEP screening, adverse-media screening and enhanced oversight of high-risk clients.</li><li>Advise on red flags in client records, unusual transactions and gaps between activity and declared business </li><li>Provide guidance to client-facing teams on AML/CFT requirements. </li><li>Ensure ongoing compliance with the Company Service Providers Act, the MFSA CSP Rulebook and the conditions of Finanzi's Class C licence. </li><li>Design and run an annual, risk-based Compliance Monitoring Programme, and track findings to closure. </li><li>Maintain the Compliance Manual and related policies: conflicts of interest, outsourcing, record keeping, complaints and breach reporting. </li><li>Monitor directorship and company secretary appointments held by Finanzi officers, including time commitment, conflicts and the real oversight each role requires. </li><li>Assess and record breaches and incidents, and notify the MFSA where required. </li><li>Carry out due diligence on outsourced service providers and review the related agreements. </li><li>Monitor regulatory developments in Malta and the EU, and assess their impact on Finanzi. </li><li>Deliver AML/CFT training across the organisation, maintain training logs and promote a strong compliance culture. </li><li>Monitor regulatory developments, including the EU AML package and AMLA, and update internal frameworks accordingly. </li><li>Oversee Deputy MLRO or Designated Employee cover arrangements. </li></ul><h4 style="margin-top: 24px;" class="heading education">Education and Experience</h4><ul class="jobDescList education"><li>Degree in Law, Finance, Accountancy, Business or a related field. </li></ul><h4 style="margin-top: 24px;" class="heading benefits">Benefits</h4><ul class="jobDescList benefits"><li>Professional AML/CFT certification (ICA or ACAMS) is considered an asset. </li><li>At least 5 years in AML/CFT or regulatory compliance in a subject person in Malta, such as a CSP, trustee, accounting or audit firm, bank or financial institution. Being already approved by MFSA as MLRO is an asset but equivalent hands-on AML/CFT and compliance advisory experience is accepted. </li><li>Strong working knowledge of the PMLA, PMLFTR, FIAU Implementing Procedures, EU AML Directives and the CSP Rulebook. </li><li>Experience writing or reviewing AML/CFT policies, risk assessments and Board-level reports. </li><li>Ability to meet the MFSA fitness and properness standard. </li><li>Strong analytical, investigative and written communication skills, particularly in regulatory correspondence. </li><li>Holds firm on AML/CFT decisions under commercial pressure, while explaining them clearly to partners and clients. </li><li>Applies a genuine risk-based approach rather than one rule for every case</li><li>High integrity, sound judgement, strict confidentiality and the ability to work independently. </li></ul>

Finanzi, a Malta-based professional services group offering accounting, audit, compliance, corporate services, advisory and immigration services, including a Class C Company Service Provider...

MLRO and Compliance Advisor

The Role: Immigration Advisor specialised in Residence programmes &amp; Citizenship frameworks 
Full-time &nbsp;
Finanzi is looking for an Immigration Advisor who has built their career on Malta's residence programmes and citizenship frameworks.&nbsp;
The successful candidate will provide expert advisory services to private clients across a broad range of immigration pathways, residency programmes, and citizenship matters. This is an excellent opportunity for a professional to grow within a dynamic and client-focused environment, supported by a team who will provide ongoing review and mentorship.&nbsp;
Description 
Client origination and advisory 
<ul>
<li style="text-align:justify;">Handling inbound enquiries from high-net-worth individuals and families, qualifying them properly, and converting the ones that are a genuine fit.&nbsp;</li>
<li style="text-align:justify;">Advising prospective clients on programme selection — eligibility, timelines, qualifying investment and property thresholds, tax consequences, family dependants, and the realistic prospects of a given profile clearing due diligence.&nbsp;</li>
<li style="text-align:justify;">Building and maintaining relationships with introducers: private banks, family offices, wealth managers, tax advisors, law firms and overseas migration agents.&nbsp;</li>
<li style="text-align:justify;">Preparing fee proposals and engagement letters and negotiating terms.&nbsp;</li>
<li style="text-align:justify;">Representing Finanzi at industry events and client meetings, in Malta and abroad.&nbsp;</li>
<li style="text-align:justify;">Managing your own pipeline: tracking enquiries through to signature, and reporting on conversion.&nbsp;</li>
<li style="text-align:justify;">Supporting with business strategy.&nbsp;&nbsp;</li>
</ul>
Application management 
<ul>
<li style="text-align:justify;">Running applications end-to-end.&nbsp;</li>
<li style="text-align:justify;">Assembling and stress-testing source of wealth and source of funds documentation before it reaches the authorities.&nbsp;</li>
<li style="text-align:justify;">Managing the due diligence process and responding to Agency queries, clarification requests and adverse findings.&nbsp;</li>
<li style="text-align:justify;">Coordinating the qualifying elements of each application: property purchase or lease, contributions, donations, insurance, and the supporting evidence for each.&nbsp;</li>
<li style="text-align:justify;">Liaising with Residency Malta Agency, Komunità Malta, Identità, the Commissioner for Revenue and the Public Registry.&nbsp;</li>
<li style="text-align:justify;">Keeping clients informed at every stage, and managing expectations honestly when timelines slip.&nbsp;</li>
<li style="text-align:justify;">Contributing to internal training and to the firm's published regulatory updates.&nbsp;</li>
</ul>
<h4 style="margin-top: 24px;" class="heading requirements">Requirements</h4><ul class="jobDescList requirements"><li>The ideal candidate should bring 2+ years of experience working on Malta's high-value residence programmes and citizenship frameworks. </li><li>Direct experience of source of wealth and due diligence documentation for high-net-worth applicants. </li><li>A track record of client-facing work. </li><li>Fluent written and spoken English to a standard suitable for advising sophisticated international clients.</li><li>Strong organisational judgement, with the ability to run multiple live files independently. </li><li>Proactive and self-motivated, with excellent communication and interpersonal skills. </li></ul><h4 style="margin-top: 24px;" class="heading education">Education and Experience</h4><ul class="jobDescList education"><li>A degree in law, or a strong background in tax or private client advisory. </li><li>Experience of a competing jurisdiction's programmes — Portugal, Greece, Cyprus, the Caribbean, the UAE. </li></ul><h4 style="margin-top: 24px;" class="heading benefits">Benefits</h4><ul class="jobDescList benefits"><li>Private Health Insurance upon pass of probation</li><li>Hybrid Work upon pass of probation</li><li>Summer Hours</li><li>Company Events</li><li>Referral Program </li></ul>

The Role:  Immigration Advisor specialised in Residence programmes &amp; Citizenship frameworks 
Full-time &nbsp;
Finanzi is looking for an Immigration Advisor who has built their career on Malta's...

Immigration Advisor

Are you an experienced auditor ready to take your career to the next level? Join our vibrant and forward-thinking team as a Senior within the Audit and Assurance Department and play a crucial role in delivering high-quality financial audits for a diverse and expanding client portfolio. This is a fantastic opportunity to work in a dynamic and innovative environment, where your expertise will be valued and your career growth will be supported.
As a Senior within the Audit and Assurance team, you will be working with a team of professionals to provide expert auditing services, build strong client relationships, and ensure that audits are conducted with the highest level of accuracy and efficiency. The ideal candidate will have a strong grasp of accounting and auditing principles, excellent attention to detail, and the ability to work comfortably with numbers.
Key Responsibilities:
<ul>
<li>Collaborate within a team to understand client businesses and provide tailored audit solutions.</li>
<li>Interact with clients to gather essential data and information needed for audits.</li>
<li>Build and maintain strong working relationships with clients and their staff.</li>
<li>Complete audit working papers, documenting tests and findings accurately.</li>
<li>Manage the audit engagement from planning to completion within the set timeframes, ensuring high standards and keeping engagement leaders informed.</li>
<li>Analyse financial data and assess the accuracy of financial statements.</li>
<li>Prepare and review financial statements in accordance with GAPSME and IFRS standards.</li>
<li>Supervise and mentor junior team members while maintaining effective communication with audit managers.</li>
</ul>
What We Offer:
<ul>
<li>An exciting, collaborative work environment with a young and innovative team.</li>
<li>Opportunities for professional development and career progression.</li>
<li>Competitive salary and benefits package.</li>
<li>A dynamic and diverse client portfolio that will allow you to broaden your skills and expertise.</li>
</ul>
<h4 style="margin-top: 24px;" class="heading requirements">Requirements</h4><ul class="jobDescList requirements"><li>In-depth knowledge of current auditing techniques.</li><li>Experience and familiarity with GAPSME, IFRS, and International Auditing Standards. </li><li>Excellent attention to detail and ability to work under tight deadlines.</li><li>Proficiency in MS Office applications (Word, Excel, PowerPoint, Outlook).</li><li>Well-organized, flexible, and a strong team player.</li><li>Fluent in English, both written and spoken.</li></ul><h4 style="margin-top: 24px;" class="heading education">Education and Experience</h4><ul class="jobDescList education"><li>ACCA qualification (or similar) in the final stages or already obtained.</li><li>At least 3 years of relevant work experience in auditing.</li></ul><h4 style="margin-top: 24px;" class="heading benefits">Benefits</h4><ul class="jobDescList benefits"><li>Working Hours: Flexible hours in an office-based role with two remote day per week.</li><li>Health Insurance.</li><li>Other Benefits: Exposure to a young and dynamic CSP environment, strong development opportunities, and a supportive, people-focused culture.</li><li>Career Development: Opportunities for professional growth and advancement within a dynamic and expanding company.</li></ul>

Are you an experienced auditor ready to take your career to the next level? Join our vibrant and forward-thinking team as a Senior within the Audit and Assurance Department and play a crucial role in...

Senior | Audit and Assurance

Reporting to the Senior within the Audit and Assurance Dept. 
Are you an experienced auditor ready to take your career to the next level? Join our vibrant and forward-thinking team as a Semi-Senior within our Audit and Assurance Department and play a crucial role in delivering high-quality financial audits for a diverse and expanding client portfolio. This is a fantastic opportunity to work in a dynamic and innovative environment, where your expertise will be valued and your career growth will be supported.&nbsp;
As a Semi-Senior, you will be working with a team of professionals to provide expert auditing services, build strong client relationships, and ensure that audits are conducted with the highest level of accuracy and efficiency. The ideal candidate will have a strong grasp of accounting and auditing principles, excellent attention to detail, and the ability to work comfortably with numbers.&nbsp;
Key Responsibilities: 
<ul>
<li>Assist with planning, execution, and finalisation of audit engagements.&nbsp;</li>
<li>Interact with clients to gather essential data and information needed for audits.&nbsp;</li>
<li>Perform detailed audit procedures, including control testing, substantive testing, analytical reviews, and preparing audit working papers.&nbsp;</li>
<li>Contribute to identifying and documenting internal control weaknesses or business-process improvement areas.&nbsp;</li>
<li>Build and maintain strong working relationships with clients and their staff.&nbsp;</li>
<li>Complete audit working papers, documenting tests and findings accurately.&nbsp;</li>
<li>Support audit managers and seniors in managing audit engagements; keep them updated on progress and flag any issues.&nbsp;</li>
<li>Prepare and review financial statements in accordance with GAPSME and IFRS standards.&nbsp;</li>
<li>Mentor or guide junior auditors or trainees; assist them in audit testing and documentation.&nbsp;</li>
</ul>
What We Offer: 
<ul>
<li>An exciting, collaborative work environment with a young and innovative team.&nbsp;</li>
<li>Opportunities for professional development and career progression.&nbsp;</li>
<li>Competitive salary and benefits package.&nbsp;</li>
<li>A dynamic and diverse client portfolio that will allow you to broaden your skills and expertise.&nbsp;</li>
<li>Supportive team culture and a chance to mentor and guide junior staff.&nbsp;</li>
</ul>
<h4 style="margin-top: 24px;" class="heading requirements">Requirements</h4><ul class="jobDescList requirements"><li>In-depth knowledge of current auditing techniques.</li><li>Familiarity with GAPSME, IFRS, and International Auditing Standards. </li><li>Excellent attention to detail and ability to work under tight deadlines. </li><li>Proficiency in MS Office applications (Word, Excel, PowerPoint, Outlook). </li><li>Well-organized, flexible, and a strong team player. </li><li>Fluent in English, both written and spoken. </li></ul><h4 style="margin-top: 24px;" class="heading education">Education and Experience</h4><ul class="jobDescList education"><li>ACCA qualification (or similar) in the final stages or already obtained. </li><li>At least 2 years of relevant work experience in auditing. </li></ul><h4 style="margin-top: 24px;" class="heading benefits">Benefits</h4><ul class="jobDescList benefits"><li>Working Hours: Flexible hours in an office-based role with two remote day per week.</li><li>Health Insurance.</li><li>Other Benefits: Exposure to a young and dynamic CSP environment, strong development opportunities, and a supportive, people-focused culture.</li><li>Career Development: Opportunities for professional growth and advancement within a dynamic and expanding company.</li></ul>

Reporting to the Senior within the Audit and Assurance Dept. 
Are you an experienced auditor ready to take your career to the next level? Join our vibrant and forward-thinking team as a Semi-Senior...

Semi-Senior | Audit and Assurance