Senior AML Analyst

About the Role As a Senior AML Analyst at Froda, you will play a key role at the heart of our AML operations, focusing on complex and high-risk cases across customer and partner portfolios. A central part of the assignment is Partner Due Diligence, where you evaluate, monitor, and quality-assure distribution partners across various products and markets in Europe. You are expected to work with a high degree of independence, bring structure to ambiguity, and set the standard for how Froda manages financial crime risk as the company scales.

Your Main Responsibilities Will Include

Conducting due diligence, ongoing monitoring, and quality reviews of distribution partners.Serving as the escalation point for complex and high-risk cases, making well-reasoned, risk-based decisions.Running QA controls and sampling across CDD, EDD, ODD, screening, and transaction monitoring.Preparing and compiling SAR/STR reports for reporting to the Financial Intelligence Unit (FIU).Continuously improving internal AML processes, control measures, and operational routines based on risk assessments (BWRA) and regulatory changes.Providing subject-matter expertise for transaction monitoring rules, CRR model calibration, screening tools, and the broader AML/CTF and sanctions framework.

As a Person

Analytical & Driven: You combine sharp analytical judgment with a strong drive to continuously improve processes and ways of working.Comfortable with Ambiguity: You thrive in environments where answers are rarely straightforward and are comfortable making independent decisions in complex or high-stakes situations.Structured & Big-Picture Minded: You stay grounded under pressure and have the ability to bring structure to complex topics without losing sight of the broader business context.Register & Style: Uses a professional, corporate tone suitable for job descriptions and recruitment documentation.Terminology: Key industry concepts (such as CDD, EDD, SAR/STR, BWRA, and BaaS) are kept in standard English financial crime terminology.

Ansvarsområde

Experience: 5+ years of hands-on experience in AML/CTF, financial crime prevention, or compliance within a regulated financial institution or consultancy.Methodology & Regulatory Knowledge: Solid experience with CDD, EDD, and complex risk assessments involving PEP/RCA, UBO structures, and sanctions.Industry Experience: Experience working across European markets. A background in partner or third-party AML risk assessments within BaaS (Banking-as-a-Service), platforms, or embedded finance is highly preferred.Communication: Demonstrated ability to engage credibly with partners, internal stakeholders, and supervisory authorities, and to translate complex risk topics into plain language.Languages: Fluency in English (written and spoken) is required. Proficiency in a Nordic language, French, Italian, or Spanish is a plus.