Senior AML Specialist

I’m supporting a growing European fintech with the appointment of a Senior AML Specialist to strengthen its Compliance team in Finland. This is a hands-on role covering the full AML lifecycle—from digital onboarding and customer risk assessments through transaction monitoring, investigations, regulatory reporting and sanctions screening. 📍 Helsinki, Finland🏠 Hybrid – four days per week in the office💰 €65,000–€80,000 plus bonus and benefits Key responsibilities:Review customers onboarded through digital channels, covering CRA, CDD, EDD, identity verification, PEPs and high-risk jurisdictionsInvestigate transaction-monitoring alerts across payments and transfersIdentify unusual or potentially suspicious customer activityPrepare and submit suspicious transaction reports to the Finnish FIUSupport the continued development of the company’s AML/CFT risk assessmentReview and improve transaction-monitoring rules, controls and alert effectivenessOversee sanctions and PEP screening and investigate potential matchesInvestigate cases involving both AML and fraud risks, including mule accounts and account takeoverMaintain accurate and defensible case files and escalation recordsSupport FIN-FSA requests, inspections, audits and remediation activitiesContribute to AML/CFT policies, procedures, controls and internal trainingMonitor Finnish and EU regulatory developments The ideal candidate will have:Finnish citizenship and fluency in Finnish and EnglishAt least five years’ hands-on AML/CFT experience within banking, payments, electronic money or another regulated financial-services environmentStrong practical experience with CDD, EDD, PEPs and higher-risk customersExperience with digital or remote customer onboardingHands-on transaction-monitoring and suspicious-activity investigation experienceExperience preparing SARs, STRs or equivalent regulatory reportsPractical sanctions and PEP-screening experienceExperience supporting AML/CFT risk assessmentsStrong knowledge of Finnish and EU AML/CFT requirementsA relevant university degreePrevious fintech, payments, EMI or FIN-FSA exposure would be considered highly advantageousCAMS, ICA or another relevant AML qualification would be beneficial