Sr AML Specialist - Finland

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

About the role

We are looking for a Senior AML Specialist to join our Compliance team in Finland and help strengthen wamo’s AML/CFT capabilities.

Reporting to the Chief Compliance Officer, you’ll play a hands-on role across the AML lifecycle - from digital customer onboarding and risk assessment through transaction monitoring, investigations, suspicious transaction reporting and sanctions screening.

This is not a purely policy-focused role. You’ll work directly with cases, systems and controls while also helping us continuously improve how our AML framework operates in practice. You’ll contribute to our AML/CFT risk assessment, monitoring controls, policies and regulatory readiness, working closely with the CCO and teams across the business.

We’re looking for someone who combines strong AML judgement with a practical, analytical mindset and is comfortable operating in a fast-moving digital financial environment.

What you'll do

• Review and risk-assess customers onboarded through fully digital channels, including CRA, CDD, EDD, identity verification, PEP assessments and high-risk jurisdiction considerations

• Investigate and resolve transaction monitoring alerts across payments and transfers, identifying unusual or potentially suspicious activity

• Contribute to the review, calibration and improvement of transaction monitoring rules and controls, including reducing false positives without compromising detection effectiveness

• Investigate suspicious activity and prepare and submit suspicious transaction reports to the Finnish Financial Intelligence Unit (FIU) in line with internal procedures

• Support the CCO in maintaining and updating the company’s AML/CFT risk assessment

• Maintain clear, accurate and defensible case files, including CDD evidence, investigation findings, risk rationale, monitoring decisions and escalation records

• Oversee day-to-day sanctions and PEP screening activities and investigate or elevate potential matches

• Work closely with relevant teams on cases where AML and fraud risks overlap, including mule accounts, account takeover and other suspicious payment activity

• Support the CCO with FIN-FSA interactions, regulatory information requests, inspections and related remediation activities

• Support internal and external audits relating to AML/CFT

• Contribute to the development and continuous improvement of AML/CFT policies, procedures and controls

• Support the development and delivery of AML/CFT training and awareness across the business

• Keep up to date with relevant Finnish and EU AML/CFT regulatory developments and support their implementation within the business

What we’re looking for

• 5+ years of hands-on AML/CFT experience within banking, payments, e-money or another regulated financial-services environment

• Strong practical experience with CDD and EDD, including higher-risk customers, PEPs and complex customer cases

• Experience with digital or remote customer onboarding and the associated AML/CFT risks

• Hands-on experience investigating transaction monitoring alerts and identifying unusual or suspicious activity

• Experience working with transaction monitoring systems, including contributing to rule review, tuning or optimisation

• Experience investigating suspicious activity and preparing SARs/STRs or equivalent regulatory reports

• Practical experience with sanctions and PEP screening, including investigation and escalation of potential matches

• Experience supporting or contributing to an AML/CFT risk assessment

• Experience investigating cases where AML and fraud risks overlap

• Strong understanding of the risk-based approach to AML/CFT and relevant Finnish and EU AML/CFT requirements

• Strong analytical and investigative skills, with the ability to make sound risk-based decisions

• Ability to clearly document investigations, decisions and risk rationale

• Fluent Finnish and English

Nice to have

• Experience working within a fintech, payments or e-money institution

• Experience working specifically with the Finnish AML/CFT regulatory framework

• Previous exposure to FIN-FSA or another EU financial regulator, including inspections, audits, remediation or information requests

• CAMS/ACAMS, ICA or equivalent AML qualification

• Swedish language skills