AML Subject Matter Expert

AML Subject Matter Expert This is an opportunity to apply AML expertise in practice, improve how things are done and make a tangible impact across a growing fintech environment. Apply here About the role We are looking for a hands-on AML Subject Matter Expert to help develop, implement and continuously improve our AML framework across the Group. This is a practical, delivery-focused role for someone who can turn regulation into workable solutions, challenge existing practices and simplify processes without compromising AML effectiveness. You will work across the business and with Group colleagues in different EU jurisdictions, while also operating as a strong individual contributor with ownership of key AML initiatives. Key responsibilities Develop and implement AML policies, procedures, controls and frameworks across relevant jurisdictions. Translate regulatory requirements into practical, proportionate business solutions. Review existing AML practices and processes, benchmark against market standards and identify opportunities to simplify, standardize and improve. Drive AML process optimization, reducing unnecessary complexity, duplication and manual activity. Monitor regulatory and industry developments and implement required changes. Partner with Product, Operations, Risk, Compliance, Technology and Data teams to embed AML into processes and product development. Use AML data and analytics to identify risks, trends, control weaknesses and opportunities for improvement. Develop AML MI, metrics and reporting for management and regulators. Support regulatory inquiries, audits and inspections. Design and deliver AML training and share best practice across the Group. Identify opportunities to use technology and automation to improve AML effectiveness and efficiency. What we are looking for Proven AML / Financial Crime experience, ideally in consumer finance, fintech or banking. Strong practical knowledge of AML regulations and frameworks. Experience designing, implementing and optimizing AML processes across jurisdictions. Ability to assess market practices and translate regulatory requirements into simple, effective and pragmatic solutions. AML data analysis experience is highly desirable. Experience with regulatory bodies and inquiries is an advantage. Bachelor's degree; CAMS, ICA or equivalent is a plus. You will be successful if you are Hands-on, pragmatic and delivery focused. Comfortable working independently and taking personal ownership for outcomes. A strong individual contributor who also works effectively as part of a team. Able to challenge the status quo and simplify complex processes. Comfortable making decisions quickly based on available information. Data-driven and curious about new external AML practices, technology and automation. A strong communicator and relationship builder who can influence colleagues across the organization. Willing to share knowledge and promote best practice across the Group. Department AML Role AML Subject Matter Expert Locations Gdańsk Remote status Hybrid Employment type Full-time Gdańsk About Avarda Group Avarda Group helps customers across Europe manage their personal finances. We have been listed on Nasdaq Stockholm since 2016. Born in a small Swedish town, we combine a pragmatic and disciplined business mindset, with cutting edge technology and innovation, always with a strong focus on cost-efficiency and profitability. Our self-developed, scalable platform and infrastructure enable efficient expansion across multiple markets. For individual customers, we provide access to lending, savings and payments, that adapts to their lives and needs. For business partners, we remove friction, helping them stay in control, build consumer loyalty and expand into new markets. For investors, we create a system where value never stands still, ensuring long-term profitability, growth and progress. We move customers, partners and ourselves forward – towards new opportunities and evolving needs. Forward. Avarda.