Head of Compliance and AML at Estonian regulated FinTech, leading compliance strategy at board level. Building compliance frameworks and engaging with regulators as the business scales.
About the role
- Senior AML Specialist managing compliance operations and investigation processes for fintech in Lithuania. Key role in AML/CFT operations and collaboration with senior teams at HQ.
Responsibilities
- You'll work directly alongside the MLRO, owning complex AML/CFT operations end-to-end—from KYC/EDD and sanctions & PEP screening to transaction monitoring and SAR/STR filings.
- KYC Manual Review & Enhanced Due Diligence (EDD): Conduct thorough manual reviews for escalated onboarding exceptions, resolving issues such as identity verification (IDV) failures, data mismatches, and complex profiles.
- Sanctions & PEP Monitoring: Investigate potential matches against the global sanctions/PEP list. Analyze alerts to accurately discount false positives and escalate true matches or high-risk profiles with solid evidence and justifications.
- Transaction Monitoring (TM): Conduct comprehensive reviews of customer transaction activities. Analyze abnormal behaviors, structuring patterns, and unexpected fund movements to detect potential financial crimes, utilizing various monitoring channels and escalations.
- Suspicious Activity Investigation & Reporting (SAR/STR): Take ownership of end-to-end internal investigations. Draft clear, structured, and comprehensive investigation memos for the MLRO, ensuring all necessary evidence is prepared for potential FCIS reporting.
- AML Tools & Operations: Operate and navigate in-house. Proactively engage with customers via RFI (Request for Information) to resolve uncertainties and gather supporting documents.
Requirements
- 5+ years of hands-on experience in AML/CFT operations, preferably within a fintech, payment institution, or banking environment;
- Proven experience across the full spectrum of AML operations, including KYC/EDD, Sanctions/PEP screening, and Transaction Monitoring;
- Ability to move beyond simple checklist reviews. You must be able to independently assess risks, connect the dots in complex financial data, and make sound, risk-based judgments;
- Demonstrated experience in conducting internal investigations and drafting detailed escalation reports to support SAR/STR filings;
- Strong ability to utilize and adapt to automated AML monitoring, screening systems, and case management tools;
- Excellent written and verbal communication skills in English to clearly articulate risks and investigation findings;
- CAMS (Certified Anti-Money Laundering Specialist) or equivalent certification (preferred);
- Familiarity with the Lithuanian/EU AML regulatory landscape and supervisory expectations.
- Experience in collaborating directly with an MLRO or senior compliance leadership;
- Proven experience in managing AML/CFT risks for financial services provided across multiple EU jurisdictions via passporting.
Benefits
- A high-impact regulatory role shaping Toss’s AML/CTF foundation for our European expansion;
- Opportunity to build the AML function from zero to full launch and contribute to overall governance;
- Close collaboration with senior teams at HQ on key regulatory and operational decisions;
- Competitive compensation package;
- Flexible and supportive work environment.
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
No Education Requirement
Location requirements
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