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 ResponsibilitiesReview 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

Requirements5+ 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 F