Senior AML Officer (Fintech)

Location: Helsinki, Finland; hybrid

Company

European fintech providing digital payment services to SMEs, startups, freelancers, and cross-border businesses, including EU IBAN business accounts, multi-currency payments, cards, expense management, foreign exchange, and POS solutions.

What you will do

• Review and risk-assess customers through CDD, EDD, PEP reviews, and high-risk case handling.
• Investigate transaction monitoring alerts and suspicious activity across payments and transfers.
• Prepare and submit suspicious transaction reports to the Finnish FIU.
• Manage sanctions and PEP screening, escalating potential matches.
• Support AML/CFT risk assessments, monitoring rules, controls, audits, and regulatory remediation.
• Contribute to AML/CFT policies, procedures, training, and regulatory implementation.

Requirements

• 5+ years of hands-on AML/CFT experience in banking, payments, e-money, or another regulated financial-services environment.
• End-to-end experience with CDD/EDD, digital onboarding, transaction monitoring, SAR/STR reporting, sanctions and PEP screening, and AML risk assessments.
• Strong understanding of Finnish and EU AML/CFT requirements and a practical risk-based approach.
• Strong analytical judgment, investigation skills, clear case documentation, communication, ownership, and attention to detail.
• Fluent Finnish and English required.

Nice to have

• Experience in fintech, payments, or e-money, ideally with exposure to the Finnish regulatory environment or FIN-FSA.
• CAMS/ACAMS, ICA, or an equivalent AML qualification.
• Swedish language skills.

Culture & Benefits

• Collaborative and transparent team culture.
• High-impact role in a scaling fintech company.
• Recognition of personal milestones and achievements.
• Social benefits.