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dLocal is a financial infrastructure company powering global commerce in emerging markets, operating as an Electronic Money Institution and Payment Institution regulated by the Malta Financial Services Authority (MFSA). The company processes payments across 60+ countries and employs 1,300+ teammates from 40+ nationalities.
You will join the Malta-based Compliance team as a Senior Compliance Officer in an MFSA "Approved Person" role. This is a formal regulatory position requiring MFSA approval via Personal Questionnaire (PQ). You will report directly to the Board of Directors and serve as a key compliance leader, working closely with the Money Laundering Reporting Officer (MLRO), Group Compliance, Legal, and business teams.
Key responsibilities include:
- Act as the PQ-approved Compliance Officer with full authority, resources, and information access to discharge regulatory obligations
- Monitor and assess the adequacy and effectiveness of policies, procedures, and controls for compliance with the Financial Institutions Act, Payment Services Regulations, and MFSA rules
- Advise the Board, senior management, and staff on regulatory obligations and compliance impacts of new products, markets, or regulatory developments
- Serve as primary contact with the MFSA; support the MLRO on AML/CFT matters and FIAU liaison, coordinating regulatory submissions, inspections, and follow-up
- Design, maintain, and execute the annual compliance monitoring and testing programme, tracking gaps and remediation
- Maintain the regulatory compliance calendar to ensure timely and accurate submission of licence conditions, filings, and regulatory returns
- Draft and maintain compliance policies, procedures, and compliance manual, keeping current with Maltese and EU regulatory changes
- Support internal and external audits and regulatory reviews by preparing evidence, coordinating responses, and reporting to the Board
- Liaise with Group Regulatory Compliance and oversee intragroup outsourced compliance activities
- Deliver compliance training and awareness sessions to strengthen regulatory understanding across the organization
The role offers flexible working arrangements with focus on impact and productivity over fixed hours, combining self-managed focus time with in-person collaboration. Additional benefits include a referral bonus program and the ability to work from anywhere for up to 3 months annually.
REQUIREMENTS:
- Bachelor's or Master's degree in Law, Finance, Business, or related field, plus a recognized compliance qualification accepted by MFSA as a Prescribed Qualification (e.g., ICA Diploma/Certificate in Compliance or equivalent)
- Already MFSA-approved as a Compliance Officer, MLRO, or similar approved/controlled function for a Malta-licensed entity, or clearly eligible for such approval
- 5+ years of experience in regulatory compliance within financial services, ideally in a Malta-licensed entity (financial institution, investment services firm, or VFA/crypto service provider)
- Solid working knowledge of Maltese regulatory framework (Financial Institutions Act, Payment Services Regulations), EU directives (PSD2/EMD2, AMLD, GDPR), and FIAU implementing procedures
- Experience in payments, crypto/virtual financial assets (VFA/MiCA), and/or investment services is a strong plus
- Strong analytical and drafting skills with judgment to challenge the business and escalate issues appropriately
- Fluent English, both written and spoken; additional languages a plus
- Professional, discreet, and comfortable operating with independence across a distributed, cross-functional organization
