Senior AML Specialist: Hands-on Compliance & Investigations

Wamo Enterprise; Helsinki; On-site; EUR 85,000 - 110,000; Full time

Job summary

Wamo Enterprise is seeking a Senior AML Specialist to join our Compliance team in Finland. You’ll lead hands-on AML activities across onboarding, risk assessment, monitoring, investigations, and reporting in a fast-moving digital payments environment.

You will work closely with the CCO to maintain risk assessments, develop controls, and ensure regulatory readiness, while handling case files with clear rationale and robust documentation.

Qualifications

• 5+ years of hands-on AML/CFT experience in banking, payments or regulated environments.
• Practical CDD/EDD experience with PEPs and high-risk customers.
• Experience with digital onboarding and AML/CFT risk management.
• Investigating transaction monitoring alerts and SAR/STR reporting.
• Experience with sanctions and PEP screening and case escalation.
• Contributing to AML/CFT risk assessment and regulatory readiness.
• Strong analytical, investigative, and documentation skills.
• Fluency in Finnish and English.

Responsibilities

• Review digital customer onboarding and perform risk assessments, CRA, CDD, and EDD.
• Investigate transaction monitoring alerts and resolve unusual activity.
• Calibrate monitoring rules to reduce false positives without losing detection.
• Prepare and submit SARs/STRs to FIU following procedures.
• Support AML/CFT risk assessment maintenance and regulatory inquiries.
• Maintain defensible case files with evidence, rationale and decisions.
• Oversee sanctions and PEP screening, escalate matches as needed.
• Collaborate with fraud teams on overlapping AML/fraud risks.
• Support audits, FIN-FSA interactions and policy improvements.
• Deliver AML/CFT training and keep updated on regulations.

Skills

AML/CFT experience

CDD/EDD

Digital onboarding

Transaction monitoring

SARs/STRs

Sanctions screening

Risk assessment

Regulatory knowledge

Analytical skills

Documentation

Tools

Transaction monitoring systems

Job description

Wamo Enterprise is seeking a Senior AML Specialist to join our Compliance team in Finland. You’ll lead hands-on AML activities across onboarding, risk assessment, monitoring, investigations, and reporting in a fast-moving digital payments environment.

You will work closely with the CCO to maintain risk assessments, develop controls, and ensure regulatory readiness, while handling case files with clear rationale and robust documentation.