Senior Compliance Specialist (Fintech)

Location: Stockholm, Sweden; hybrid work with most teams meeting in the office 2–3 days per week

Salary: SEK 682,350–764,232 per year

Company

Klarna operates an everyday finance network serving consumers across 26 countries, with regulated payments and consumer credit products.

What you will do

• Own compliance tests from scoping and script development through interviews, fieldwork, reporting, and follow-up.
• Assess the design and operating effectiveness of controls against EU regulations, EBA and European Supervisory Authority guidance, and internal policies.
• Account for national regulatory implementation across Klarna’s operating markets.
• Use SQL, Python, BI tools, data analysis, automation, and AI-enabled tools to test full data populations and build repeatable monitoring.
• Write clear reports covering findings, risks, and recommendations for senior management.
• Track observations through corrective action and act as the main contact for business and compliance stakeholders.

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, including at least one of PSD2, the Consumer Credit Directive, EBA outsourcing and third-party oversight guidelines, AML/CFT requirements, or GDPR.
• Ability to query and validate testing data using SQL, Python, or BI and dashboarding tools.
• Experience applying AI or automation to compliance work, with the ability to critically assess AI-generated outputs.
• Clear written and spoken English is required.

Nice to have

• Knowledge of how EU requirements are implemented and supervised in an EU Member State.
• Familiarity with national competent authorities and European Supervisory Authority supervision.
• Awareness of PSD3 and PSR developments.

Culture & Benefits

• Co-located team environment with regular office collaboration.
• Opportunities to work with data-driven compliance testing, automation, and AI.
• Diverse skills, perspectives, and backgrounds are welcomed.
• Final compensation depends on qualifications, skills, and experience.

Hiring process

• Submit a CV in English focused on concrete achievements, what was built, its impact, and its cost.