Senior AML Officer (Helsinki, Finland)

About the Client

Our client is a European fintech providing digital payment services to SMEs, startups, freelancers and businesses operating across borders. Its services include business accounts with EU IBANs, payments in 22 currencies, debit cards, bulk payments, expense management, foreign exchange and POS solutions.

Its Finnish entity is an Electronic Money Institution authorised and regulated by the Finnish Financial Supervisory Authority (FIN-FSA). It serves eligible businesses across the EEA and the UK.

Role Overview

As a Senior AML Officer, you'll play a crucial role in safeguarding financial integrity. You will handle complex AML and fraud investigations, ensuring compliance with Finnish and EU regulations. This is a high-impact opportunity to contribute to the development and improvement of AML/CFT frameworks in a hybrid working environment.

Key Responsibilities

• Review and risk-assess customers, including CDD, EDD, PEPs and high-risk cases

• Investigate transaction monitoring alerts and suspicious activity across payments and transfers

• Prepare and submit suspicious transaction reports to the Finnish FIU

• Manage sanctions and PEP screening and escalate potential matches

• Support AML/CFT risk assessments and continuously improve monitoring rules and controls

• Support FIN-FSA interactions, audits and regulatory remediation activities

• Contribute to AML/CFT policies, procedures, training and regulatory implementation

Requirements

• 5+ years of hands-on AML/CFT experience in banking, payments, e-money or another regulated financial-services environment

• Strong end-to-end AML experience across CDD/EDD, digital onboarding, transaction monitoring, SAR/STR reporting, sanctions/PEP screening and AML risk assessments

• Strong understanding of Finnish and EU AML/CFT requirements and a practical risk-based approach

• Strong analytical judgement, investigation skills and clear case documentation

• Experience in fintech, payments or e-money is a plus, ideally with exposure to the Finnish regulatory environment or FIN-FSA

• CAMS/ACAMS, ICA or an equivalent AML qualification is an advantage

• Fluent Finnish and English; Swedish is a plus

Key Soft Skills

• Strong communication skills and the ability to explain complex AML topics clearly to different stakeholders.

• Proactive, collaborative, and comfortable working across teams in a fast-moving environment.

• High level of ownership, attention to detail, and sound judgement when handling sensitive or complex cases.

What We Offer

• Competitive salary aligned with experience.

• Collaborative and transparent team culture.

• High-impact role in a scaling fintech company.

• Recognition of personal milestones and achievements.

• Social benefits.