AML Controls & SAR Oversight Specialist

Klarna; Greater London; On-site; GBP 70,000 - 120,000; Full time

Benefits offered by this job

Equity rewards

Monthly stipends for health and well‑f

Life insurance

Medical

Dental

Vision coverage

Job summary

Klarna is seeking a Senior AML Compliance professional to strengthen financial crime controls through independent, risk-based oversight of the AML framework in the Second Line Compliance. You will review SARs under MLRO delegation, assess investigations, and provide feedback to AML teams to ensure high-quality narratives and defensible decisions.

The role evolves from hands-on regulatory activities to analytical oversight of control design and effectiveness across products and markets, ensuring

Qualifications

• Experience in AML, financial crime, or compliance within a regulated financial institution.
• Strong understanding of SAR processes and regulatory thresholds.
• Ability to apply independent judgement in complex, sensitive, or ambiguous cases.
• Excellent written communication for SAR narratives and regulatory explanations.
• Experience with second line of defence or risk function is a plus.

Responsibilities

• Review and approve Suspicious Activity Reports (SARs) under MLRO delegation to ensure regulatory thresholds are met
• Review investigations and SAR narratives for quality, completeness, and defensibility
• Provide structured feedback to AML investigation teams on investigation quality and SAR narratives
• Identify complex or sensitive cases requiring escalation to MLROs
• Perform second‑line oversight of AML controls, with a focus on Transaction Monitoring effectiveness
• Conduct thematic reviews across SAR outcomes, escalation decisions, and typologies
• Assess whether AML risks are adequately covered across products and customer segments
• Contribute to AML input for new products, material changes, and control enhancements
• Analyse AML metrics and trends to identify control gaps, emerging risks, or degradation
• Support governance, documentation, and clear separation of responsibilities across AML teams

Skills

AML

SAR processes

regulatory thresholds

risk assessment

written communication

Job description

Klarna is seeking a Senior AML Compliance professional to strengthen financial crime controls through independent, risk-based oversight of the AML framework in the Second Line Compliance. You will review SARs under MLRO delegation, assess investigations, and provide feedback to AML teams to ensure high-quality narratives and defensible decisions.

The role evolves from hands-on regulatory activities to analytical oversight of control design and effectiveness across products and markets, ensuring