Group Money Laundering Reporting Officer (MLRO)

Group Money Laundering Reporting Officer (MLRO) Apply now About ESTO Founded in 2017, we are a fast-growing fintech company on a mission to make shopping and financial decisions effortless. By combining smart technology with customer-first thinking, we enable people to pay flexibly and businesses to grow faster. As a team, we value ambition, ownership, and constant improvement. We move fast, think big, and build solutions that make a real impact on everyday lives. About the role: We are looking for a Group MLRO to lead AML/CFT and sanctions compliance across the group in Baltics. What You’ll Do : Own group-wide AML/CFT and sanctions governance, including all policies, procedures and internal controls. Coordinate and maintain group-wide ML/TF risk assessments by country, product, channel, customer and third party. Set group standards for CDD and EDD, including onboarding, beneficial ownership, source of funds and periodic review. Design and oversee the group-wide transaction monitoring framework. Own the group policy for identifying, escalating and reporting suspicious activity to the FIUs. Oversee sanctions screening governance and ensure appropriate PEP and adverse media controls. Deliver internal reporting to the Group CEO and the Management Boards, and external reporting to supervisors and FIUs in Estonia, Latvia and Lithuania. Act as an independent AML/CFT control function with direct access to the Group CEO, the Management Boards and the relevant supervisory bodies, and authority to escalate material AML/CFT and sanctions risks. Monitor compliance with AML/CFT rules and coordinate with internal audit, external auditors and supervisory inspections. Track regulatory developments and upcoming regulation, with a focus on AMLR and AMLD6 applying from July 2027, and and drive the required implementation. Build, implement and own the Group-wide AML/CFT and sanctions training programme, including identifying training needs, developing and delivering training, monitoring completion and effectiveness - as well providing regular updates to management. What We Expect : Master's-level degree in law, finance, economics, business administration or equivalent. At least 5 years in AML/CFT or financial crime compliance in a supervised financial institution or an advisory practice serving them. Hands-on experience across risk assessment, CDD and EDD, transaction monitoring, sanctions and PEP screening, and FIU reporting. Direct experience of supervisory engagement: inspections, information requests, audits and remediation. Working command of the national and EU framework, including the relevant guidelines. Meets applicable fit-and-proper requirements for a senior AML/CFT compliance function and is capable of holding a statutory AML/CFT role where required. Experience acting as an MLRO, FIU contact person or equivalent responsible AML/CFT officer in one or more Baltic jurisdictions is strongly preferred. Hands-on experience using generative AI tools (e.g. Claude, ChatGPT or equivalent) to improve the quality and efficiency of compliance work, including regulatory research, analysis, drafting, review and reporting. Fluent in Estonian and English. Experience in consumer lending, SME lending or technology-driven financial services is a strong advantage. Strong ownership and execution mindset, with the ability to design, build and implement AML/CFT processes and controls from the ground up and drive them through to effective implementation. Excellent communication, influencing and stakeholder-management skills, with the confidence and professional assertiveness to challenge decisions, clearly articulate and defend risk-based positions, and drive necessary changes across business functions and seniority levels. Why You'll Love Working Here • 28 days annual leave + public holidays + your birthday off, always • Hybrid work with flexible hours • Paid sick leave + 3 wellbeing days • Modern, pet-friendly office in the heart of Tallinn • Fully stocked kitchen: snacks, fruit & drinks • Monthly Stebby allowance for sports & wellness • Collaborative, multicultural team • Regular events & offsites • Room to bring ideas and make real impact 🌍 Equal Opportunity Employer We value diversity and inclusion, and we're committed to a workplace where everyone feels welcome, has equal opportunities, and is treated fairly. Department Legal Team Locations Tallinn Remote status Hybrid About ESTO Thinking big since 2017. Since launching in Estonia in 2017, ESTO expanded to Lithuania in 2020 and Latvia in 2021. Today we partner with 11 000+ merchants and serve nearly a million customers | on a mission to simplify money by removing complexity, embracing transparency, and putting people first. We’re driven by innovation that makes finance effortless, empowering people to take control of their financial future.