Senior AML Officer (Helsinki, Finland)

About The Client

Our client is a European fintech providing digital payment services to SMEs, startups, freelancers and businesses operating across borders. Its services include business accounts with EU IBANs, payments in 22 currencies, debit cards, bulk payments, expense management, foreign exchange and POS solutions.

Its Finnish entity is an Electronic Money Institution authorised and regulated by the Finnish Financial Supervisory Authority (FIN-FSA). It serves eligible businesses across the EEA and the UK.

Role Overview

As a Senior AML Officer, you'll play a crucial role in safeguarding financial integrity. You will handle complex AML and fraud investigations, ensuring compliance with Finnish and EU regulations. This is a high-impact opportunity to contribute to the development and improvement of AML/CFT frameworks in a hybrid working environment.

Key Responsibilities

Review and risk-assess customers, including CDD, EDD, PEPs and high-risk casesInvestigate transaction monitoring alerts and suspicious activity across payments and transfersPrepare and submit suspicious transaction reports to the Finnish FIUManage sanctions and PEP screening and escalate potential matchesSupport AML/CFT risk assessments and continuously improve monitoring rules and controlsSupport FIN-FSA interactions, audits and regulatory remediation activitiesContribute to AML/CFT policies, procedures, training and regulatory implementation

5+ years of hands-on AML/CFT experience in banking, payments, e-money or another regulated financial-services environmentStrong end-to-end AML experience across CDD/EDD, digital onboarding, transaction monitoring, SAR/STR reporting, sanctions/PEP screening and AML risk assessmentsStrong understanding of Finnish and EU AML/CFT requirements and a practical risk-based approachStrong analytical judgement, investigation skills and clear case documentationExperience in fintech, payments or e-money is a plus, ideally with exposure to the Finnish regulatory environment or FIN-FSACAMS/ACAMS, ICA or an equivalent AML qualification is an advantageFluent Finnish and English; Swedish is a plus

Key Soft Skills

Strong communication skills and the ability to explain complex AML topics clearly to different stakeholders.Proactive, collaborative, and comfortable working across teams in a fast-moving environment.High level of ownership, attention to detail, and sound judgement when handling sensitive or complex cases.

What We Offer

Competitive salary aligned with experience.Collaborative and transparent team culture.High-impact role in a scaling fintech company.Recognition of personal milestones and achievements.Social benefits.