Fraud & AML Specialist

Enity Bank Group; Helsinki; Hybrid; EUR 51,000 - 61,000; Full time

Job summary

Enity Bank Group is seeking a Fraud & AML Specialist to join the Financial Crime & Backoffice team in Helsinki. You will own AML and fraud processes in the first line of defence and work with risk management, investigations and regulatory compliance across the Nordic organization.

The role offers a hybrid work model with four days in the office and one day remote. The monthly salary starts at EUR 5,000, with flexibility for higher compensation based on experience and unique expertise.

Qualifications

• Extensive AML/Fraud experience in banking or financial services.
• Experience with transaction monitoring and AML systems.
• Knowledge of AML regulations and risk management.
• Experience in regulatory reporting and handling suspicious transactions.
• Ability to translate regulatory requirements into operational processes.
• CAMS certification is a strong advantage.

Responsibilities

• Lead AML and Fraud processes in first line of defence.
• Ensure policies and regulatory requirements are implemented.
• Identify and manage AML/Fraud risks and participate in risk workshops.
• Perform daily AML operations including monitoring, investigations, and reviews.
• Provide specialist support, training and participate in projects.
• Drive efficiency, quality and risk management improvements.

Skills

AML Experience

Fraud Experience

Regulatory Reporting

Transaction Monitoring

Investigations

Finnish English

CAMS Advantage

Nordic Collaboration

Job description

We are looking for a Fraud & AML Specialist to join our Financial Crime & Backoffice team. This role is ideal for someone who wants to take the next step in financial crime prevention and contribute with specialist expertise within a central function with Nordic collaboration.

About Enity Bank Group

At Enity, we believe in people's potential. We're challenging the Nordic mortgage market by making banking more inclusive, sustainable, and human. As a listed company with the brands Bluestep Bank, Bank2 and 60plusbanken, we offer mortgages to those often excluded by traditional banks – for example, due to self-employment, employment type, age, or credit history. We operate across Sweden, Norway and Finland, and we're on a mission to shape the future of banking – together.

About the role

You will have operational ownership of AML and Fraud processes within the first line of defence while acting as a Subject Matter Expert (SME). You will work with risk management, investigations, regulatory compliance and continuous improvement, while collaborating closely with colleagues locally and across the Nordic organization. The role reports to the Financial Crime & Backoffice Manager.

As the first dedicated Financial Crime specialist in Finland, you will have the opportunity to shape local AML and Fraud practices while being supported by an experienced Nordic team.

Key responsibilities:

• Lead the implementation, maintenance and continuous improvement of AML and Fraud instructions, procedures and controls within the first line of defence.
• Ensure that internal policies and regulatory requirements are implemented in daily operations.
• Identify and manage AML and Fraud risks and contribute to risk assessments and risk workshops.
• Participate in the daily execution of AML operations, including transaction monitoring, alert investigations and customer reviews, while acting as a Subject Matter Expert in complex AML and Fraud cases.
• Manage relevant reporting and external contacts.
• Provide specialist support, deliver training and contribute to projects and change initiatives.
• Drive improvements that strengthen efficiency, quality and risk management.

About you

You are analytical, structured and accountable. You work independently, communicate clearly and are confident in providing guidance on complex matters. You demonstrate high integrity and strong risk awareness.

We are looking for someone who has:

• Relevant experience in AML, Fraud or Financial Crime within banking or financial services.
• Strong experience in transaction monitoring, alert management, monitoring platforms and AML systems.
• Experience in regulatory reporting and handling suspicious transactions.
• Good knowledge of anti-money laundering regulations, risk management and financial crime prevention.
• Experience in AML and Fraud investigations and handling complex customer cases.
• Ability to interpret and translate regulatory requirements and internal policies into operational processes.
• Ability to independently drive matters and act as specialist support to the business.
• CAMS certification is considered a strong advantage. Candidates without CAMS but with substantial AML and Fraud experience are also encouraged to apply.
• Native-level Finnish and fluent English, both spoken and written.

Preferred qualifications:

• Experience in developing or calibrating AML models, risk parameters and controls.
• Experience in training, project work and change initiatives within Financial Crime.
• Strong knowledge of Trapets InstantWatch.
• Knowledge of Swedish is considered an advantage due to Nordic collaboration.

We offer

We offer a competitive compensation package complemented by a generous range of benefits, and flexibility to support your work-life balance.

The position is based at our office in Helsinki. The hybrid working model currently includes four days per week in the office and one day working remotely.

For this position, we offer a monthly salary starting at EUR 5,000. However, we recognize that experience and unique expertise matter, so there is flexibility to offer a higher salary for the right candidate.

Sound interesting?

Embracing inclusivity, we value each candidate based on their skills and experience. There is no need to include a photo in your application.