Senior Compliance Specalist

Location: London, United Kingdom; hybrid with office attendance typically 2–3 days per week

Salary: £71,559–£80,147 GBP per year

Company

Klarna builds an everyday finance network serving consumers across 26 countries through payments and consumer credit products.

What you will do

• Own compliance tests from scoping and testing-script design through interviews, fieldwork, reporting, and follow-up.
• Assess the design and operating effectiveness of controls against EU regulations, EBA guidance, supervisory expectations, and internal policies.
• Account for national implementation of EU requirements across Klarna’s operating markets.
• Use data analysis, automation, and AI-enabled tools to test full data populations and build repeatable automated monitoring.
• Write clear reports describing findings, risks, and recommendations for senior management.
• Track observations through corrective action and work with business and compliance stakeholders to close them on time.

Requirements

• At least 3 years of experience in compliance testing, compliance monitoring, or internal or external audit within financial services, fintech, banking, or payments.
• Experience designing or running testing scripts, audit programs, or structured review methodologies, including scoping, sampling, and evidence-based assessment.
• Knowledge of EU payments and consumer credit regulation, with experience testing or auditing against PSD2, the Consumer Credit Directive, EBA outsourcing guidance, AML/CFT requirements, or GDPR.
• Ability to query and validate testing data using SQL, Python, BI, or dashboarding tools.
• Experience applying AI or automation to compliance work, with the ability to critically validate AI-generated outputs.
• Clear written and spoken English and availability for regular office collaboration in London.

Nice to have

• Knowledge of EU requirements as implemented and supervised in at least one EU Member State.
• Familiarity with national competent authorities and European Supervisory Authorities.
• Awareness of PSD3 and PSR developments.

Culture & Benefits

• Work in the Compliance Testing Team as part of Klarna’s second line of defense.
• Use data and automation as core parts of compliance testing, with full-population analysis preferred over manual sampling.
• Collaborate in co-located teams that generally meet in the office 2–3 days per week.
• Work in an environment that welcomes diverse skills, perspectives, and backgrounds.