What is our mission?

Orbital is on an exciting mission to revolutionise global cross-border payments by innovatively combining traditional fiat banking rails with stablecoins over blockchain rails for a variety of use cases. Our class leading B2B payments platform offers multi-currency e-money accounts (corporate IBANs) combined with a suite of digital assets services. Our company sits at the frontier of payments & fintech, by intersecting blockchain and traditional (fiat) financial services, and is leading the way to bridging those two worlds for corporate enterprises globally.

We believe blockchain technology is firmly here to stay, and we want to be the first to bring a combined offering of fiat & crypto payment services under one exciting platform. Learn more about our team and company story here.

What is the purpose of this role in the delivery of our mission?

As a super talented, ambitious and pragmatic MLRO (Gibraltar), you will play a crucial role in effectively and proactively handling the company’s Financial Crime Compliance (FCC) function, establishing and maintaining regulatory relationships with the the Gibraltar Financial Services Commission (GFSC), ensure compliance across all vertices. You will be responsible for strengthening the FCC framework, mitigating financial crime risk, and driving compliance excellence.

What are the key responsibilities / activities of the role?

• Act as the designated MLRO and AML/CFT/CPF Responsible Person for the company’s entities (E-money and DLT institutions) in Gibraltar, ensuring compliance with Gibraltar laws and regulations.

• Manage regulatory interactions, including regulatory reporting, responding and requesting from GFSC, and maintaining strong relationships with key stakeholders in conjunction with the Chief Compliance Officer.

• Be the central point of contact with law enforcement agencies and act as the “appropriate person” as required under Section 28 of Proceeds of Crime Acts 2015 to receive and process internal and external suspicious activity reports (SARs).

• Prepare and submit regulatory reports, Suspicious Activity Reports (SARs), Risk Assessments, and Compliance Testing and Reviews (both internal and external), in line with regulatory obligations and Group FCC strategy.

• Develop and maintain the company’s AML/CTF/CPF compliance framework, ensuring it aligns with Gibraltar regulations.

• Lead internal and external audits related to AML compliance, ensuring all documentation is up to date.

• Maintain a comprehensive FCC risk assessment, updating policies and procedures as necessary.

• Liaise with local and international regulators, handling all regulatory and information requests, inspections, and remediation action plans.

• Support all FCC related matters across the group, including, an oversight on the client onboarding, transaction monitoring processes and enhancements of the overall Compliance risk management framework.

• Review CDD/EDD reports on the clients’ profiles for approval.

• Oversee and enhance the company’s transaction monitoring programme, evaluating the effectiveness of current risk models and scenarios.

• Review high-risk and suspicious transaction reports, providing escalations and recommendations to the group MLRO and Chief Compliance Officer (CCO).

• Manage and advise on high-risk transaction monitoring alerts (Cryptoasset-related), generated by various systems/tools, ensuring accurate and timely investigation.

• Monitor internal and third-party FCC tools, ensuring effective transaction monitoring, screening, and risk scoring.

• Conduct periodic reviews of clients’ profiles, assessing corporate structures, fund flows, and overall risk profiles.

• Evaluate the effectiveness of FCC tools/systems and implement improvements.

• Ensure ongoing compliance with Gibraltar AML laws, including the Money Laundering and Terrorist Financing Prevention Act and global AML/CTF/CPF standards (FATF, GFSC, EU AMLDs, UK AML regulations, etc.).

• Assist with regulatory horizon scanning, highlighting emerging risks, new compliance requirements, and areas of regulatory focus.

• Develop and implement risk-based policies and procedures, ensuring alignment with evolving regulatory expectations.

• Conduct independent testing of the AML/CTF/CPF programme, reviewing key controls, reporting gaps, and implementing remediation plans.

• Ensure that the company meets regulatory deadlines for all reporting obligations, risk assessments, and compliance updates.

• Lead internal FCC training sessions, ensuring employees are well-informed on AML/CTF/CPF regulations, sanctions compliance, and industry trends.

• Enhance FCC awareness across the company, educating business units on financial crime risks, red flags, and best practices.

• Mentor junior compliance staff, ensuring professional development within the FCC team.

What is the scope of accountability for the role?

• Act as the MLRO and AML/CFT/CPF Responsible Person for the company’s Gibraltar entities (E-money and DLT Institutions), ensuring compliance with AML/CTF/CPF regulations.

• Prepare and submit all regulatory reports, SARs, risk assessments, and compliance documentation, ensuring full regulatory compliance.

• Maintain oversight of the company’s AML/CFT/CPF activities and implement and monitor the company’s AML/CFT/CPF systems and controls .

• Oversee transaction monitoring, ensuring high-risk transaction escalations are appropriately reviewed, investigated, and reported.

• Review and approve clients’ CDD/EDD applications at onboarding, overseeing periodic risk reviews and assessments.

• Evaluate, implement, and enhance FCC-related tools/systems to improve financial crime detection and regulatory compliance.

What are the essential skills, qualifications and experience required for the role?

• You have extensive experience in FCC / Compliance, with a strong focus on AML/CTF/CPF, transaction monitoring, and regulatory reporting.

• You have previous experience as an MLRO, Deputy MLRO, or senior compliance officer within a VASP, DLT institution, or regulated financial entity.

• You have professional experience in Financial Services, Payments, E-money, and/or Cryptoasset sectors, such as Fintechs, Digital Banking, Crypto Exchanges/Custodians.

• You are qualified with the Association of Certified Anti-Money Laundering Specialists (ACAMS), Certified Fraud Examiner (CFE), or hold a relevant legal qualification.

• You have in-depth knowledge of U.K., Gibraltar and EEA (and other main global) financial crime regulations, including AML/CTF laws, industry guidelines, and enforcement actions.

• You have experience working with FCC-related technologies and transaction monitoring tools, such as World-Check, TruNarrative, Chainalysis, Elliptic, SumSub, or ComplyAdvantage.

• You have strong analytical and investigative skills, with a solid understanding of risk-based AML approaches and compliance frameworks.

• You have excellent written and verbal communication skills, including the ability to prepare detailed regulatory reports, risk assessments, and audit findings for the Board, regulators, and senior leadership.

• You are highly detail-oriented, able to balance strategic risk perspectives with hands-on compliance execution.

• You are well-organised, proactive, and capable of prioritising tasks effectively in a dynamic regulatory environment.

• You thrive on collaboration, cross-functional teamwork, and continuous professional development.

What are the desirable skills, qualifications and experience that would be beneficial for the role?

• Experience working in a fast paced environment

• Qualified with the Association of Certified Anti-Money Laundering Specialist (ACAMS), Certified Fraud Examiner (CFE) and/or have relevant legal qualification

• Multitasking and well prioritisation ability

• Taking initiatives and leading the way

• Ability to work outside of the comfort zone

• Chainalysis Reactor Certification or similar equivalent qualification