AML Specialist (first line of defense)

We are looking for an AML Specialist (First Line of Defense) to strengthen CapitalBox financial crime prevention framework.

In this role, you will play a key part in safeguarding the company against money laundering, terrorist financing, sanctions breaches, and other financial crime risks. You will work closely with Sales, Risk, Compliance, Operations, and Product teams to ensure regulatory compliance while supporting business growth in a dynamic, digital environment.

Your Focus:

• Perform customer onboarding (CDD/KYC) for SME clients across multiple European jurisdictions
• Conduct Ongoing Due Diligence (ODD) and periodic reviews of existing customers
• Perform Enhanced Due Diligence (EDD) for high-risk clients, including PEPs, complex structures, and cross-border cases
• Analyze and validate source of funds, source of wealth, corporate structures, and Ultimate Beneficial Ownership (UBO)
• Execute transaction monitoring reviews, investigate alerts, and escalate suspicious activities when required
• Identify and assess ML/TF, sanctions, fraud, and reputational risks
• Review external databases, registries, sanction lists, adverse media, and other intelligence sources
• Ensure compliance with applicable AML/CFT, sanctions, and local regulatory requirements (Baltics, Nordics, EU directives)
• Prepare high-quality documentation, case notes, and internal reports
• Escalate suspicious cases to the MLRO and support preparation of STR/SAR filings where necessary
• Contribute to the continuous improvement of AML policies, procedures, controls, and systems
• Support internal and external audits and regulatory inspections
• Maintain strong communication with internal stakeholders and ensure a balanced risk-based approach
• Support the business with RFI responses 
• Conduct background checks using internal and external sources 

Required Skills & Experience:

• 3+ years of hands-on experience in AML/KYC/Financial Crime roles (preferably in fintech, banking, or lending)
• Higher education in Law, Finance, Business, Criminology, or related field
• Solid understanding of EU AML Directives, local AML/CFT regulations, and sanctions frameworks
• Experience working with SME clients and complex corporate structures
• Practical experience conducting EDD and transaction monitoring investigations
• Strong analytical mindset with high attention to detail and risk awareness
• Ability to apply a risk-based approach while maintaining operational efficiency
• Experience using AML screening and monitoring tools (e.g., World-Check, LexisNexis, etc.)
• Strong documentation and case management skills
• Ability to work independently in a fast-paced, digital environment
• Excellent written and verbal communication skills in English (additional Nordic or Baltic languages are an advantage)

Would Be Considered an Advantage

• Previous experience in digital lending, alternative finance, or SME-focused fintech
• Familiarity with Baltic and/or Scandinavian regulatory environment
• Experience working in a First Line of Defense model
• Professional certifications such as CAMS, ICA, or equivalent
• Experience with sanctions compliance, cross-border transactions, or trade finance risks
• Experience in regulatory reporting and audit preparation

We offer:

• A Truly Global Workplace – collaborate with 40+ nationalities across 25+ countries, embracing diversity, inclusion, and cross-cultural innovation
• Hybrid & Flexible Work – balance your life and career with remote-friendly policies and modern offices across Europe
• A Culture of Growth – accelerate your development with access to LinkedIn Learning, structured mentorship, and internal leadership programmes (HiPo & People Leader tracks)
• Workation Program – work remotely from abroad for up to 2 months per year and experience new cultures while staying connected and productive
• Financial Growth Opportunities – invest in your future with our share purchase matching program, doubling your contributions and fostering long-term rewards

• ​Private Health & Pension Plan – stay secure with strong employer-supported healthcare and retirement contributions

• Salary: 2500-3300 (Gross) per month based on qualifications and experience 

We offer:

• A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture.

• Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe.

• A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement.

• Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards.

• Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive.

We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters.

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