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 jurisdictions
• Investigate transaction-monitoring alerts across payments and transfers
• Identify unusual or potentially suspicious customer activity
• Prepare and submit suspicious transaction reports to the Finnish FIU
• Support the continued development of the company’s AML/CFT risk assessment
• Review and improve transaction-monitoring rules, controls and alert effectiveness
• Oversee sanctions and PEP screening and investigate potential matches
• Investigate cases involving both AML and fraud risks, including mule accounts and account takeover
• Maintain accurate and defensible case files and escalation records
• Support FIN-FSA requests, inspections, audits and remediation activities
• Contribute to AML/CFT policies, procedures, controls and internal training
• Monitor Finnish and EU regulatory developments

The ideal candidate will have:

• Finnish citizenship and fluency in Finnish and English
• At least five years’ hands-on AML/CFT experience within banking, payments, electronic money or another regulated financial-services environment
• Strong practical experience with CDD, EDD, PEPs and higher-risk customers
• Experience with digital or remote customer onboarding
• Hands-on transaction-monitoring and suspicious-activity investigation experience
• Experience preparing SARs, STRs or equivalent regulatory reports
• Practical sanctions and PEP-screening experience
• Experience supporting AML/CFT risk assessments
• Strong knowledge of Finnish and EU AML/CFT requirements
• A relevant university degree
• Previous fintech, payments, EMI or FIN-FSA exposure would be considered highly advantageous
• CAMS, ICA or another relevant AML qualification would be beneficial