Regulatory Analyst

About Syspay

Are you ready to join an international team building truly innovative payment products? At Syspay, we operate in one of Malta’s most dynamic fintech and payment sectors. We are looking for a highly capable  Regulatory Analyst - Payment Institution (PI) & Electronic Money Institution (EMI)  to join our ranks.

What makes this role different? You won’t be siloed. This is a highly central, cross-functional position where you will partner daily with Commercial, Risk, Product Design, and a dedicated team of AML, CTF, and Compliance experts. You will enjoy a steep learning curve and the opportunity to grow right alongside the company.

Who We Are Looking For

We hire for aptitude and skill first. We are looking for someone who is:

• A Calm Problem Solver:  You keep your cool in a fast-paced regulated environment and always come to the table with solutions.
• Analytical and Research-Driven:  You excel at deep-dive research, handling complex administration, and methodically dissecting regulatory texts to determine exactly how they apply to our business.
• An Outside-the-Box Thinker:  You know that compliance isn’t just about ticking boxes; it’s about enabling business safely. You balance exceptional attention to detail with a clear view of the big picture.
• An Exceptional Communicator:  Excellent writing and reporting skills in English are absolutely critical for this role.

What Success Looks Like

We want you to come in and make an immediate impact. In your first few months, a successful hire will have:

• Assessed and fully aligned our systems with current MFSA and EU regulatory requirements.
• Put structured, organized processes into place.
• Successfully updated our Risk Management Framework.
• Revamped and updated our Compliance Monitoring systems.

What You Will Do

Regulatory Monitoring, Research & Interpretation

• Monitor regulatory developments from the MFSA, FIAU, EBA, ECB, and European Commission.
• Analyze updates on PSD2, EMD2/3, RTS on SCA & CSC, DORA, and AML/CFT obligations.
• Conduct impact assessments and translate complex regulatory changes into actionable guidance for our internal teams (Operations, Product, Risk, and Finance).

Compliance & Licensing Support

• Ensure we meet all MFSA licensing conditions, including capital requirements, safeguarding, governance, and outsourcing oversight.
• Take charge of periodic MFSA submissions (Regulatory Returns, Own Funds, Safeguarding reports).
• Maintain and update internal policies (AML/CFT, safeguarding, complaints handling, operational resilience).

AML/CFT Assistance (FIAU Requirements)

• Support the MLRO and AML team with obligations under the PMLA and FIAU Implementing Procedures.
• Participate in customer risk assessments, transaction monitoring reviews, and remediation projects.
• Assist with STR/SAR preparation and internal reporting workflows.

Reporting, Documentation & Stakeholder Engagement

• Prepare pristine documentation for MFSA and FIAU supervisory inspections.
• Draft high-quality compliance reports for senior management, the board, and regulators.
• Liaise directly with the MFSA, FIAU, external auditors, and third-party service providers.

What You Bring to the Table

• Education:  Degree in Law, Finance, Accountancy, Economics, Banking, or a related field.
• Experience:  Proven background in a PI, EMI, fintech, banking, or payments environment in Malta or the EU.
• Technical Knowledge:  Strong grasp of PSD2, EMD2/3, RTS on SCA/CSC, DORA, AML/CFT frameworks, MFSA Rulebooks, and FIAU Implementing Procedures.
• Skills:  Exceptional analytical skills, regulatory research capabilities, and top-tier English report writing.

Nice to Haves:  Previous experience with MFSA/FIAU inspections; professional qualifications (ICA, CAMS, ACAMS, Level 5 Compliance Diploma); familiarity with SEPA, cards, or outsourcing oversight.

What We Offer

We believe that if you help us grow, we should help you grow. We offer:

• Career Trajectory:  The genuine ability to grow and scale your career alongside the company.
• Top-Tier Healthcare:  International health insurance to keep you covered globally.
• Wellness Support:  Dental coverage and a sports/wellness allowance (available after your 6-month probation).
• Innovation:  Exposure to EU-level regulatory developments and cutting-edge payment technologies.
• A competitive salary and benefits package tailored to your experience.

How to Apply

• Ready to join the team? Please send your application over to [email protected] , including updated CV, cover letter, your salary expectations and availability.

NOTE: Only applicants located in Malta or valid work permit in Malta need to apply.