KYC Investigator

Ikano Bank; Glostrup Kommune; On-site; DKK 435,000 - 502,000; Full time

Benefits offered by this job

Annual Social Day for all Employees

Favorable Conditions for Ikano Bank

Job summary

Ikano Bank in Malmö, Sweden, is seeking a curious and analytical KYC Investigator to join the KYC & AML Team B2B. The role is based in Hyllie and focuses on EDD for high‑risk Nordic customers, while supporting KYC tasks across segments.

You will collaborate with MLROs, AML Tech, Fraud, and sales teams to safeguard products against money laundering, document investigations in systems, and contribute to AML risk assessments.

Qualifications

• Bachelor's degree in Business, Legal, or related field.
• 2 years of experience in financial services or compliance.
• Experience in AML, KYC or related work.
• Fluent in Swedish and English (verbal and written).
• AML certification (e.g., ACAMS, ICA) is advantageous.

Responsibilities

• Perform risk-based KYC and EDD investigations for high-risk customers.
• Conduct customer screening against sanctions, PEP, and watchlists.
• Document investigations clearly in relevant systems.
• Report deviations of beneficial owners to authorities when required.
• Submit internal SAR reports when suspicious activity is identified.
• Contribute to AML/CFT risk assessments based on EDD findings.
• Support improvements of AML/CFT routines and processes.
• Provide AML guidance to Sales, Customer Service and other stakeholders.

Skills

KYC investigations

Regulatory compliance

Cross-functional collaboration

Swedish language

English language

Education

Bachelor's Degree

Job description

Office Location

Sweden – Malmö

Employment Type

Permanent

Full Time/Part Time

Full Time

Who we are

At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long-term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down-to-earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here.

Working in Commercial B2B means shaping great experiences for Ikano Bank’s customers by creating and improving products and services that make a difference. It’s about being innovative, responsive, and dedicated to delivering value, all while ensuring we stay profitable and compliant. You will have the opportunity to make a real impact on how businesses grow and succeed.

Purpose of the Job

We are looking for a curious and analytical AML professional to join our dynamic KYC & AML Team B2B as a KYC Investigator. The role is based in Hyllie, Malmö. In this role, you will help safeguard Ikano Bank’s products and services against money laundering and terrorist financing and contribute to delivering our KYC and AML agenda.

As a KYC Investigator, you will work with KYC and EDD investigations for B2B customers across the Nordic markets. The primary responsibility is EDD for high‑risk customers, supplemented by KYC tasks across all customer segments and risk categories.

You will collaborate closely with AML Investigators, MLROs, AML Tech, AML Specialists, Fraud teams and the commercial organization, where strong cooperation is essential.

Responsibilities of the Job

• Perform risk‑based KYC and EDD investigations for high‑risk customers, and support KYC activities across other segments and risk levels when needed during onboarding, ad‑hoc and periodic reviews.
• Conduct customer screening against sanction lists, PEP lists and internal watchlists.
• Document all investigations clearly and traceably in relevant systems.
• Report deviations of beneficial owners to relevant authorities when required.
• Submit internal SAR reports to AML Investigators when suspicious activities or transactions are identified.
• Contribute to the bank’s AML/CFT Risk Assessments based on findings from EDD investigations.
• Support continuous improvement of routines and processes for AML/CFT work.
• Provide AML guidance to Sales, Customer Service and other business stakeholders.

Education Level

Bachelor's Degree

Experience/Demonstrated Competencies

• 2 years experience working in the financial sector
• University degree in a Business, Legal, or related field, or equivalent practical experience
• Experience from AML, KYC or other compliance‑related work
• Fluency in Swedish and English verbally and in writing
• AML certification (e.g. ACAMS, ICA or equivalent) is an advantage

Language Competencies

Fluency in Swedish, Danish, Norwegian and/or Finish
Good knowledge in English

Knowledge required

• Solid understanding of a risk based approach
• Knowledge of AML/CFT regulations in the Nordic market
• Knowledge of B2B Leasing and factoring products and solutions
• Operational Knowledge of end-to end KYC/EDD procedures
• Knowledge of AML governance and regulatory expectations

Capabilities for this job

• Ability to apply business understanding when assessing AML/CFT risks
• Ability to work with KPIs and deliver consistently within set targets
• Strong collaboration skills and a team‑oriented mindset
• Strong ability to navigate, use and combine multiple systems and data sources effectively

What motivates you?

• Enjoy challenges and an ever-changing fast-paced working environment
• Passion for details but can see the bigger picture
• Intensely curious and a critical thinker
• Driven and proactive in terms of investigations and improvement suggestions

Salary (per annum)

According to the market

Ikano Bank Benefits

Annual Social Day for all Employees
Favorable Conditions for Ikano Bank Products

Applications Close Date

05 Oct 2026