Compliance Officer

Help build the next generation of investment services. Kvarn X is one of the fastest-growing fintechs in Finland and one of the few fintech platforms in the EU licensed across the full range of investment and financial services behind a modern cross-asset financial app. Our vision is a single app where customers manage their entire financial life – investments, savings, wealth management, payments and everyday finances side by side – on regulated, supervised infrastructure. The way investment information is consumed – and how financial services are personalised, distributed and delivered across channels – is being reshaped by AI, and we are building for that shift. Kvarn Investment Services Oy is the platform’s Finnish investment firm, supervised by the FIN-FSA – a modern broker for stocks and other financial instruments, with investment services passported across the EEA. Our service scope under the investment firm licence is expanding beyond brokerage in the near future. Companies related to the Kvarn X platform also hold Payment Institution (PSP) and Crypto-Asset Service Provider (CASP, MiCAR) authorisations. We are now taking the compliance function in-house and are looking for a Compliance Officer to lead it. Role descriptionAs Compliance Officer you will be the named person responsible for the compliance function of Kvarn Investment Services Oy (second line of defense). You will own the compliance monitoring programme, advise the business and the Board, and act as the company’s primary contact towards the FIN-FSA in compliance matters. You will build on a documented base – policies, procedures and a comprehensive compliance yearly clock – with the support of external legal counsel. The role reports to the CEO and has a direct reporting line to the Board of Directors. The appointment is subject to the FIN-FSA’s fit & proper assessment. Your responsibilities include:– Owning the compliance function: compliance risk assessment, monitoring plan and reviews, and regular reporting to senior management and the Board (Commission Delegated Regulation (EU) 2017/565, Article 22).– Advising the business as our services expand: suitability and appropriateness, product governance, best execution, client asset protection and marketing review.– Regulatory watch and implementation across MiFID II, IFR/IFD, MAR, DORA, AML/AMLR and national legislation, and running the compliance yearly clock.– Managing FIN-FSA correspondence and notifications together with the CEO.– Overseeing conflicts of interest, personal transactions and the insider register, complaints handling, market abuse surveillance and outsourcing arrangements, in cooperation with the AML Officer and the risk management function. Your Skills & Qualifications Required:– Master’s degree in Law, Business, Finance or a related field.– 5+ years in compliance, legal or regulatory roles within investment services or securities markets.– Strong command of MiFID II and the Finnish Investment Services Act, and working knowledge of MAR, IFR/IFD, DORA and AML regulation, including the incoming AMLR framework.– Experience engaging with the FIN-FSA and readiness to act as the company’s named Compliance Officer (fit & proper).– Ability to run a compliance function independently in a small organization, hands-on.– Real-world experience and ability to use and work with modern AI tools. Language:– Finnish: full professional proficiency– English: full professional proficiency Beneficial:– Experience from an authorization or licence extension process.– Experience with trade surveillance, transaction reporting (MiFIR) or client asset audits.– Familiarity with discretionary wealth management and digital investment advice.– Familiarity with cross-border provision of investment services under EEA passporting.– Familiarity with the EU AI Act, data protection and emerging financial data regulation (e.g. FiDA).– Familiarity with tokenised securities and other new forms of financial instruments. Why join Kvarn?– Build it yourself – you will set up and lead the compliance function of a growing investment firm, not inherit a bureaucracy.– Meaningful impact – your work directly determines how safely and reliably our customers can invest.– Valuing culture – outcome-driven, low-hierarchy and built for trust and ownership. Next steps Apply via the LinkedIn Apply button by 14.9.2026 and state your salary expectations and preferred starting date in the application. A motivational letter is optional but welcome. The starting pay will be determined based on the candidate’s skills, experience and qualifications. We look forward to hearing from you.