AML Associate (Client Due Diligence)

The Anti Money Laundering (AML) Associate is a key operational leader within Shift4’s Finance and Risk organization, reporting to the AML Supervisor. This role ensures operational excellence in the execution of KYC, AML, and fraud monitoring processes across the company’s merchant portfolio.

 The AML Associate balances rigorous regulatory compliance with operational efficiency, ensuring that processes are executed accurately, escalations are managed appropriately, and cross-functional teams are effectively coordinated. The position supports global operations and contributes to continuous improvement initiatives, maintaining the company’s commitment to compliance, risk mitigation, and service-level performance.

Responsibilities will include:

 Operational Leadership & Execution

•  Perform ongoing monitoring, KYC, AML, and fraud checks across all merchant accounts, ensuring alignment with internal policies and regulatory standards.
•  Checking all actions carried out at onboarding and reevaluating, using tools such as Company Watch, Webshield, World Check and Salesforce
•  Approve payments and support transaction monitoring activities to maintain operational continuity.
• Step in to support team processes as needed to meet business objectives.

  Regulatory Compliance & Risk Management

•  Ensure compliance with EU and local AML legislation, including FIAU Implementing Procedures, PMLFTR, and PMLA.
•  Maintain adherence to third-party authority and card scheme requirements (Visa, MasterCard).
•  Escalate gaps, deficiencies, or risks to the MLRO or governance structures in a timely and structured manner.
•  Ensure SLA adherence and quality standards across all operational activities.

 Cross-Functional Coordination & Communication

•  Liaise with internal teams (Fraud, Risk, Underwriting, Legal, Operations, Payments, Treasury, Finance) to ensure process alignment and escalation management.
•  Maintain professional communication with external stakeholders including banks, card schemes, and service providers.
•  Document all AML activities thoroughly for audit and operational transparency.

 The ideal candidate will bring:

• Minimum 3 years’ experience in AML, KYC, or related compliance role.
• Diploma or degree in a related field.
• Strong analytical, organizational, and interpersonal skills.
• Detail-oriented, proactive, and capable of independent decision-making.
• Ability to prioritize tasks and meet strict deadlines.
• Fluent in written and spoken English.

 Compensation:

Shift4 applies a structured, market-informed approach to compensation.

Salary ranges are developed based on objective, gender-neutral criteria, such as  internal job levels, scope of responsibilities, and external market data. The range listed for this position reflects the expected hiring range for qualified candidates and corresponds to the level and requirements of the role.

Actual compensation may vary depending on various factors, such as experience, skills, qualifications, work location, and market conditions. Shift4’s compensation structures are subject to periodic review and ongoing alignment across regions. Additional components such as variable remuneration or other benefits may also apply based on eligibility and role type.

Salary Range: € 30,000 - € 34,000

Benefits for working for Shift4:

Join Shift4 and enjoy a work environment that prioritizes flexibility and well-being. We embrace a hybrid working model, offering our team the flexibility to balance time between remote work and our modern, welcoming offices located in the heart of Valletta, Malta's historic capital.

Our standard remuneration package is comprehensive, including private health, dental, and life insurance, as well as parking allowance, preferential home rates, and a company pension plan (with APS). We are committed to supporting our employees' well-being through our Mental Health Program, family-friendly measures, an equipped canteen with free breakfast, and exciting company events.