Deputy MLRO - Malta

Why should you join dLocal?
dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen, in a flexible, remote-first dynamic culture with travel, health and learning benefits, among others. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.

To support the growing operations of dLocal Limited, a licensed financial institution in Malta, we are looking for a Deputy MLRO to join our Malta-based Compliance team. This person will support the MLRO in all AML/CFT duties, strengthen the Company’s compliance framework, and act as a replacement during the MLRO’s absence, ensuring continuity and regulatory adherence at all times. The role will work closely with the MLRO, the Compliance function, and Group teams across the organization.

What will I be doing?:
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Support to the MLRO
• Assist the MLRO in ensuring that the Company’s internal and Group AML policies are correctly implemented.
• Act as Deputy MLRO, serving as the appointed replacement when the MLRO is unavailable.
• Support communication with regulatory authorities (MFSA, FIAU) and external auditors as needed.
• Contribute to regulatory submissions, reporting obligations, and follow up on action items.
AML, KYC & Due Diligence
• Support merchant, partner, and third-party onboarding processes through due diligence assessments and risk profiling with a focus on operational efficiency and accuracy.
• Maintain and continuously update onboarding and KYC records, ensuring data completeness, quality, and timely refreshes in line with internal and regulatory requirements.
• Ensure proper application of KYC requirements, ongoing monitoring, and risk reviews, leveraging data and metrics to identify gaps and trends.
• Assist in maintaining documentation, record-keeping, and compliance files, ensuring they are organized, up to date, and easily auditable.
Transaction Monitoring & Risk
• Perform first-line review and investigation of transaction monitoring alerts for fraud and AML flags, documenting analysis and rationale for decisions
• Participate in the identification, escalation, and mitigation of AML/CTF risks, including timely escalation of higher-risk or complex cases to the MLRO with clear summaries and recommendations.
• Help implement and monitor proactive risk management measures and policies, contributing to the tuning and optimisation of rules, scenarios, and workflows
• Use analytical tools and data to identify patterns, typologies, and process improvement opportunities within monitoring and risk controls.
Compliance Monitoring & Internal Coordination
• Assist in identifying compliance gaps and recommending corrective actions, with a focus on practical and sustainable process improvements.
• Stay informed on updates to Maltese regulations, EU directives, and FIAU guidelines.
• Liaise with the Group Compliance team and oversee intragroup outsourced functions supporting AML/Compliance activities, ensuring consistent standards and effective handovers.
Governance & Reporting
• Prepare documentation, insights, and analysis for Board reporting as required by the MLRO, including metrics and trends from onboarding and monitoring activities.
• Contribute to compliance updates and participate in relevant internal committees when needed.

What skills do I need?:
• Bachelor’s degree in business, banking, finance, law, or a related field, ideally supplemented by AML/Compliance training.
• 5–7 years’ proven experience in AML/Compliance within financial services, ideally with exposure to payments and/or fintech environments
• Demonstrated hands-on experience in operational compliance activities, including onboarding/KYC record maintenance, screening, and transaction monitoring alert handling.
• Experience supporting or acting as Deputy/Designated Official is a strong advantage.
• Familiarity with the Maltese regulatory environment, EU AML Directives, and FIAU procedures.
• Strong analytical skills, including ability to interpret transaction and customer data, identify patterns/trends, and translate insights into practical actions.
• Proven track record in operational excellence, including process mapping, defining SLAs/KPIs, and driving continuous improvement initiatives.
• Excellent communication skills and fluency in English; proficiency in additional languages is a plus.
• Professional, responsible, and able to work with discretion and integrity.

What do we offer?

Besides the tailored benefits we have for each country, dLocal will help you thrive and go that extra mile by offering you:
- Flexibility: We have flexible schedules, and we are driven by performance.
- Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
- Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.
- Learning & development: get access to a Premium Coursera subscription.
- Language classes: we provide free English, Spanish, or Portuguese classes.
- Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!
- dLocal Houses: want to rent a house to spend one week anywhere in the world, coworking with your team? We’ve got your back!

What happens after you apply?
Our Talent Acquisition team is invested in creating the best candidate experience possible, so don’t worry, you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process!

Also, you can check out our webpage, Linkedin, Instagram, and Youtube for more about dLocal!