Company Overview

The organisation operates within digital financial services, supporting technology-driven financial products that require robust customer due diligence, transaction monitoring and regulatory controls. Its compliance function focuses on identifying financial crime risks, maintaining effective AML procedures and supporting responsible business operations.

Role Summary

The Anti-Money Laundering (AML) Compliance Specialist will support the implementation and ongoing operation of anti-money laundering and counter-terrorist financing controls. The role involves reviewing customer information, assessing suspicious transaction patterns, conducting enhanced due diligence and maintaining clear investigation records.

The successful candidate will work with compliance, onboarding, payments and risk teams to identify potential financial crime, escalate material concerns and support compliance with applicable Estonian and European Union requirements.

Key Responsibilities

• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) reviews based on established risk criteria.

• Review transaction monitoring alerts and investigate unusual or potentially suspicious activity.

• Assess customer profiles, beneficial ownership information, source of funds and source of wealth where required.

• Perform sanctions, politically exposed person (PEP) and adverse media screening reviews.

• Prepare clear case assessments and escalate potential suspicious activity to the appropriate compliance personnel.

• Maintain accurate customer due diligence records, investigation notes and audit documentation.

• Support periodic customer reviews and risk-based monitoring activities.

• Assist with internal compliance reviews, procedure updates and regulatory reporting preparation.

• Track relevant changes in AML requirements and contribute to improvements in internal controls.

Requirements and Qualifications

• Bachelor’s degree in Law, Finance, Business Administration, Economics or a related field.

• At least two years of experience in AML compliance, KYC, customer due diligence or financial crime operations.

• Working knowledge of AML/CTF principles and familiarity with applicable EU and Estonian regulatory requirements.

• Experience with screening tools, transaction monitoring systems and compliance case management platforms.

• Strong analytical skills and the ability to evaluate customer and transaction risk indicators.

• Excellent written communication, recordkeeping and investigation skills.

• Professional discretion and the ability to manage sensitive information.

• Relevant AML or compliance certifications are advantageous.

Benefits

• Fully remote working arrangement within Estonia.

• Competitive compensation aligned with experience and responsibilities.

• Opportunities for continuing AML and regulatory compliance training.

• Exposure to digital financial services and evolving compliance technologies.

• Supportive environment focused on professional integrity and continuous improvement.

Application Instructions

Interested candidates should submit an up-to-date CV and a brief cover letter outlining their AML, KYC or financial crime compliance experience. Applicants are encouraged to include relevant examples of due diligence reviews, transaction investigations or compliance process improvements.

Are you interested in this position?

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