Our client, a fast-growing fintech delivering end-to-end digital payments and banking‑as‑a‑service solutions for businesses and brands across Europe, is looking for a Money Laundering Reporting Officer. The company combines secure payments infrastructure, card issuing and processing, and flexible wallet capabilities with easy-to-integrate APIs and white‑label products, enabling partners to launch branded financial services quickly and compliantly.
Your role is to lead the AML/CTF programme for the Baltic region. This is a hands‑on leadership role: you will own suspicious activity reporting, design risk‑based controls, and work closely with product, engineering and operations to enable compliant growth across the Baltics.
Key responsibilities
- Act as MLRO for Baltic operations; file SARs/STRs and be primary regulator contact.
- Design, implement and oversee AML/CTF framework: KYC/CDD/EDD, sanctions screening, PEPs, transaction monitoring and case management.
- Tune transaction monitoring rules and manage investigations and escalations.
- Conduct customer, product and jurisdictional risk assessments and maintain AML risk register.
- Develop and deliver AML training for regional teams.
- Support audits, regulatory requests and inspections; ensure timely remediation.
- Advise product and engineering on compliance-by-design for new features and integrations.
- Build and mentor a small compliance team as needed.
Required experience & skills
- Proven MLRO/Head of AML or senior AML role in fintech, payments, banking or regulated financial services.
- Deep knowledge of EU/Baltic AML/CTF rules, SAR/STR processes, sanctions, and KYC best practices.
- Hands‑on experience with transaction monitoring systems, sanctions screening and case management tools.
- Track record of managing regulatory interactions and inspections.
- Strong investigative, risk assessment and decision‑making skills.
- Ability to influence cross‑functional teams (product, engineering, ops).
- Relevant certification preferred (CAMS, ICA or equivalent).
- Fluent English; local language(s) (Lithuanian, Latvian, Estonian or Russian) a strong plus.
- Based in or willing to relocate to the Baltics; flexible/remote arrangements negotiable.
Nice to have
- Experience with BIN sponsorship, card issuing, wallets or cross‑border payments.
- Familiarity with data‑driven monitoring, ML/analytics or working with data science teams.
- Startup/scale‑up experience and comfort in fast‑paced environments.
Location & package
- Hybrid or remote within the region with periodic travel to HQ/markets
- Competitive salary, benefits and equity package
- Health insurance
- Stock options
- Training and courses
