We are seeking a highly capable Fintech Risk & Compliance Manager to strengthen the governance, risk-management, and regulatory framework of a technology-driven financial services operation in Estonia.

This is a strategic and operational role for a professional who understands that effective fintech compliance extends beyond policies and documentation. The successful candidate will work across product, technology, operations, payments, customer services, information security, and senior management to ensure that financial products and processes are designed and operated within appropriate regulatory and risk parameters.

Position Focus

You will be responsible for developing practical risk and compliance frameworks that support responsible business growth without creating unnecessary operational complexity. The role requires strong judgement, analytical ability, regulatory awareness, and the confidence to engage with both technical and executive stakeholders.

Core Responsibilities

• Develop, maintain, and enhance fintech risk-management and compliance frameworks.
• Monitor regulatory developments affecting digital financial services and translate relevant requirements into operational actions.
• Support the design and review of new financial products from a risk and compliance perspective.
• Conduct risk assessments covering products, processes, technology, third-party relationships, and operational activities.
• Establish appropriate controls for customer onboarding, transaction monitoring, financial crime prevention, and operational risk.
• Work closely with compliance, legal, security, product, engineering, and operations teams.
• Review internal policies, procedures, controls, and governance documentation.
• Monitor control effectiveness and coordinate remediation of identified weaknesses.
• Support internal and external regulatory examinations, audits, and compliance reviews.
• Develop management reporting covering key risk indicators, compliance issues, control performance, and remediation activities.
• Contribute to incident-management and escalation processes.
• Assess risks associated with technology platforms, vendors, outsourced services, and critical financial infrastructure.
• Promote a strong risk-aware culture across business and technology functions.
• Provide clear recommendations to senior management based on documented risk analysis and regulatory requirements.

Ideal Candidate

The successful candidate will bring professional experience in fintech compliance, financial services risk, banking governance, payments compliance, regulatory operations, or a closely related discipline.

You should demonstrate:

• Strong knowledge of financial services risk and compliance principles.
• Experience within fintech, banking, payments, financial technology, or another regulated environment.
• Practical understanding of AML/KYC and financial crime-control frameworks.
• Experience conducting risk assessments and evaluating internal controls.
• Ability to interpret regulatory requirements and convert them into practical processes.
• Strong analytical and investigative skills.
• Experience preparing risk reports and management-level documentation.
• Excellent stakeholder-management and communication skills.
• High attention to detail and strong organisational discipline.
• Ability to operate effectively in a rapidly changing technology environment.
• Professional judgement and the ability to handle sensitive regulatory and operational matters appropriately.

Why This Role Matters

Modern fintech organisations require compliance professionals who understand both regulation and technology. This position provides the opportunity to influence how financial products, systems, and operational processes are governed from the beginning rather than treating compliance as a final-stage requirement.

You will work across multiple business functions, contribute to strategic decision-making, and help establish a resilient framework capable of supporting sustainable fintech growth in Estonia.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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