Senior Compliance Officer - Estonia

About Juuli

Juuli is a fintech platform built for solopreneurs, freelancers, and B2B businesses, offering financial accounts (IBAN/wallet), card issuing, and payment infrastructure. Our core products help independent professionals and small businesses get paid, manage their finances, and operate internationally with ease. We're a fast-growing, remote-first team building compliant financial infrastructure across multiple jurisdictions.

We're looking for a Senior Compliance Officer to strengthen our compliance function as we grow across multiple jurisdictions. You'll work closely with our existing compliance team, taking ownership of AML/KYC processes, regulatory reporting, and day-to-day compliance decision-making in a fast-paced fintech environment.

What you'll do:

• Own and continuously improve AML/KYC/KYB processes, including transaction monitoring and suspicious activity detection
• Review and approve high-risk or escalated customer cases, working alongside our KYC provider
• Respond to law enforcement and regulatory data requests in a timely, compliant manner
• Support regulatory licensing efforts, including documentation and process readiness for new jurisdictions
• Review external communications (marketing, press releases, major announcements) for regulatory compliance before publishing
• Maintain and update internal compliance policies in line with evolving EU/UK financial regulation
• Collaborate with product, operations, and growth teams to ensure compliance is built into new features and campaigns from the start

What we're looking for:

• Essential: previous experience working at an EMI (Electronic Money Institution) or PI (Payment Institution) — candidates without this background will not be considered
• Solid experience in AML/KYC compliance within fintech, payments, or banking
• Experience with Sumsub is important
• Experience working within EU regulatory frameworks is important
• Familiarity with broader EU/UK financial regulation (AMLD/AMLR, PSD2/PSD3, EMI/PI licensing requirements)
• UK compliance experience is a plus
• A relevant compliance certification (e.g. ICA, ACAMS) is a plus
• Comfortable making independent risk-based decisions and defending them with clear reasoning
• Experience handling law enforcement or regulator requests is a plus
• Strong English (written and spoken)
• Self-discipline for remote work — available and responsive during working hours (10:00–17:00)

Setup:

• Remote, full-time, working hours 10:00–17:00
• We don't run on rigid performance metrics — what matters to us is discipline, ownership, and genuine effort