Financial Crime Compliance Specialist (Fintech)

Location: London, United Kingdom

Salary: £58,084–£71,559 base pay per year

Company

Klarna is a fintech company providing financial services and payment products.

What you will do

• Provide independent, risk-based second-line oversight of Klarna’s Anti-Money Laundering framework.
• Review and approve Suspicious Activity Reports under MLRO delegation, ensuring regulatory thresholds are met.
• Assess investigation quality, SAR narratives, escalation decisions, and complex or sensitive cases.
• Evaluate transaction monitoring effectiveness and AML coverage across products and customer segments.
• Conduct thematic reviews and analyse metrics and trends to identify control gaps, emerging risks, and control degradation.
• Contribute to new product assessments, control enhancements, governance, documentation, and regulatory readiness.

Requirements

• Experience in AML, financial crime, or compliance within a regulated financial institution such as a bank, fintech, or payments company.
• Hands-on experience with SAR processes, including drafting, reviewing, approving, or filing reports.
• Strong understanding of AML risk typologies, escalation criteria, and regulatory expectations.
• Independent judgement in complex, sensitive, or ambiguous cases.
• Experience reviewing the quality, completeness, and defensibility of investigations and regulatory narratives.
• Excellent written communication skills and the ability to produce clear, structured SAR narratives and regulatory explanations.

Nice to have

• Experience in second-line compliance, quality assurance, risk, or compliance oversight.
• Exposure to transaction monitoring frameworks, scenario-based monitoring, or transaction monitoring effectiveness assessments.
• Experience supporting MLROs or preparing materials for MLRO decision-making and escalation.
• Experience with thematic reviews, trend analysis, control effectiveness assessments, or new product risk assessments.
• Familiarity with EU and US AML regulatory frameworks, FIU processes, and supervisory expectations.

Culture & Benefits

• Base salary forms part of a total compensation package.
• Additional compensation may include equity rewards and monthly health and wellness stipends.
• Benefits may include life, medical, dental, and vision insurance for employees and dependents.
• Equal employment opportunities and reasonable accommodation support are provided.

Hiring process

• Submit a CV in English.