Payments Specialist - Banking & Capital Markets

Line of ServiceAssurance

Industry/SectorBanking and Capital Markets

SpecialismBanking & Finance

Management LevelAssociate

Job Description & SummaryPwC Malta’s Banking and Capital Markets team helps banks and financial institutions navigate complex regulatory landscapes and transformation programs. This team provides services across regulatory compliance and risk management for banks, payment service providers (PSPs), and other service providers. The role will involve advising clients on the various facets of payments, including PSD3/PSR obligations and delivering practical, compliant solutions that support clients’ strategic goals.

A career in Banking & Capital Markets Compliance at PwC Malta will provide you with the opportunity to deepen expertise in payments regulation and risk management while growing your advisory and client-facing capabilities. You’ll focus on delivering compliant, value-driven outcomes for clients through risk-based approaches and robust controls.

We are seeking a detail-oriented and proactive Payments Specialist to join our Banking & Capital Markets team. The ideal candidate will be responsible for advising on payments-related matters, including PSD3/PSR requirements, managing payments-related risk, and fostering a culture of compliance across client organisations.

Your Mission:

• Advise clients on PSD3/PSR obligations and help align payment operations with regulatory requirements across Malta and the EU.
• Perform regulatory impact assessments and gap analyses for payment service providers (PSPs) and other service providers.
• Draft and review policies, procedures, and control frameworks (e.g., change management, risk governance, incident management) to support PSD3/PSR compliance and payment operations.
• Conduct regulatory research, monitor developments (MFSA, European regulators, and industry standards), and translate into practical guidance and client-ready recommendations.
• Collaborate with multidisciplinary teams (risk, tax, cyber, data privacy, internal audit) to deliver integrated payments compliance solutions.
• Help clients implement remediation programs and regulatory changes; contribute to client proposals and written deliverables.
• Maintain accurate engagement records, risk assessments, and internal trackers.

About You:

• A degree in Finance, Economics, or a related field; professional certifications in payments/regulatory compliance (e.g., PSD2/PSD3-related training) are an asset.
• 2-3 years of experience in payments regulatory compliance, PSD2/PSD3 context, risk management, or related field; consulting experience would be advantageous.
• Strong knowledge of PSD3/PSR and related EU/Malta regulatory frameworks. MiCA knowledge considered to be an asset.
• Excellent analytical, problem-solving, and decision-making skills; ability to translate regulatory requirements into practical client actions.
• Strong written and verbal communication skills; comfortable producing client-ready reports and presenting to stakeholders.
• Ability to work independently and as part of cross-functional teams; strong stakeholder management and client-facing skills.
• Meticulous attention to detail with a proactive approach to identifying and addressing risk.
• Fluency in English; Maltese language skills would be advantageous.

Education (if blank, degree and/or field of study not specified)

Degrees/Field of Study required:

Degrees/Field of Study preferred:

Certifications (if blank, certifications not specified)

Desired Languages (If blank, desired languages not specified)

Travel Requirements

Not Specified

Available for Work Visa Sponsorship?

Yes

Government Clearance Required?

Yes

Job Posting End Date