Business
AML Specialist/MLRO
- Tallinn
- Tartu
Join us in building the best everyday bank
Our goal is to build the best bank in Estonia, and why not also the best in the world. This requires the use of new technologies in developing daily services on a fresh banking platform. If you believe you have what it takes and want to be part of this unique opportunity, come and let's create the future of everyday banking together!
Today, we are the Estonian bank with the widest international presence, 100% owned by Estonian stakeholders. We operate in nine markets. Now, we want to take the next step and start offering daily payment services to our clients because we believe we can provide better conditions than those currently available on the market.
As an AML Specialist/MLRO
You ensure that the bank operates in full compliance with anti-money laundering (AML), counter-terrorist financing (CTF), know your customer (KYC), and international sanctions requirements. As a second line of defense employee of the Financial Crime Prevention Unit you will advise the first line of defense, analyze complex customer profiles and transactions, and maintain effective communication with supervisory authorities. In addition, you will contribute to the development of internal regulations, process improvements, and deliver training to enhance organizational awareness and compliance.
How do you create value?
- You advise and collaborate with the first line of defense to identify money laundering, terrorist financing, and sanctions-related risks and define mitigation measures
- You will analyze customer profiles and transactions escalated to the Financial Crime Prevention Unit
- You will participate in the development, implementation, and enforcement of AML/CTF/KYC/Sanctions related internal regulations and conduct employee trainings
- You will assess suspicious activities and report them to the relevant authorities (FIU & FSA)
- You will respond to requests and questionnaires from supervisory authorities and other financial institutions
- You will approve high-risk customer onboarding and annual enhanced due diligence reviews
- You will report ML/TF/Sanctions risks and incidents to the management board of the bank
Our expectations for you
- You have an interest in the AML/CTF field
- You have solid understanding of money laundering, terrorist financing, and international sanctions and excellent knowledge of related applicable laws and guidelines
- You are a creative problem solver with strong analytical thinking skills
- You have a proficiency in Estonian and English at a very high level, both spoken and written
- You have previous experience in advising and consulting first line of defense
- You have a higher education, preferably in law or economics
- You have at least 5 years of experience in AML/CTF field or at least 5 years of experience in working in banking
HOW TO JOIN What is our recruitment process like?
If you want to be part of the team shaping the future of everyday banking, these steps will give you an overview of our recruitment journey. Depending on the location or specific job position, the process may vary.