Company Overview

The hiring organisation operates in the digital finance and financial technology sector, where customer verification, transaction oversight, and financial crime prevention are essential to maintaining secure and compliant services. Its compliance function focuses on strengthening customer due diligence, improving risk monitoring, and supporting the integrity of financial transactions.

Role Summary

The Compliance Officer will oversee day-to-day compliance activities relating to anti-money laundering (AML), know-your-customer (KYC) procedures, customer due diligence, and financial crime prevention. The role involves reviewing risk indicators, escalating suspicious activity, maintaining compliance records, and helping ensure that customer onboarding and ongoing monitoring processes meet applicable legal and regulatory requirements.

Key Responsibilities

• Review customer onboarding files, identity verification records, and customer due diligence documentation.

• Assess customer risk profiles using relevant risk factors, including ownership structures, geographic exposure, and transaction patterns.

• Monitor AML/KYC procedures and identify gaps requiring remediation.

• Review alerts and unusual transaction patterns, escalating potentially suspicious activity through established internal procedures.

• Support enhanced due diligence reviews for higher-risk customers and business relationships.

• Maintain accurate records of investigations, compliance decisions, escalations, and remediation activities.

• Assist with suspicious transaction reporting processes where required and authorised.

• Monitor changes in AML legislation, sanctions requirements, and financial crime compliance guidance.

• Support internal audits, regulatory examinations, and periodic compliance training.

• Work with customer operations, risk, and legal teams to strengthen financial crime controls.

Requirements and Qualifications

• Bachelor’s degree in Law, Finance, Accounting, Criminology, or a related field.

• Relevant experience in AML, KYC, customer due diligence, financial crime compliance, or regulated financial services.

• Knowledge of EU AML requirements and the Estonian regulatory environment.

• Understanding of sanctions screening, beneficial ownership checks, risk-based customer assessments, and suspicious activity escalation.

• Experience with customer verification systems, transaction monitoring tools, or compliance case management platforms.

• Strong investigative, analytical, and written communication skills.

• Recognised compliance qualifications, such as CAMS or ICA certification, are advantageous.

• Ability to handle confidential information responsibly and maintain accurate records.

Benefits

• Fully remote position within Estonia.

• Opportunity to develop specialised expertise in AML/KYC and financial crime prevention.

• Exposure to digital financial services and risk-based compliance processes.

• Ongoing professional learning and relevant certification development.

• Collaboration with multidisciplinary compliance, operations, and risk teams.

Application Instructions

Candidates should submit a CV detailing their AML/KYC experience, customer due diligence knowledge, and relevant compliance systems expertise. A cover letter describing their experience with financial crime prevention, investigations, or risk-based customer reviews is encouraged. Applications should be submitted through the official application channel provided by the hiring organisation.

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