Financial Crime Compliance Specialist

Deel; Greater London; On-site; GBP 90,000 - 130,000; Full time

Job summary

Klarna is seeking an experienced AML Compliance professional to provide independent, risk-based oversight of the AML framework in Second Line Compliance. You will review SARs, assess investigations, and support MLRO delegation while collaborating with AML Operations and senior stakeholders.

The role evolves towards analytical oversight of control design and effectiveness across products and markets, ensuring AML risks are understood, mitigated, and well evidenced to regulators.

Qualifications

• Significant AML/compliance experience in a regulated financial institution.
• Experience drafting, reviewing, or filing SARs and regulatory narratives.
• Ability to apply independent judgement in complex or sensitive cases.
• Strong written communication skills for SAR narratives and regulatory explanations.

Responsibilities

• Review and approve SARs under MLRO delegation.
• Review investigations and SAR narratives for quality and defensibility.
• Provide feedback to investigation teams on investigation quality.
• Perform second-line oversight of AML controls and transaction monitoring.
• Conduct thematic reviews of SAR outcomes and typologies.
• Support governance and clear separation of responsibilities across AML teams.

Skills

AML risk management

SAR processes

Regulatory judgement

Second line of defence

Transaction monitoring

Stakeholder engagement

Job description

About the positionIn this position, you will strengthen Klarna’s financial crime controls by providing independent, risk-based oversight of the Anti-Money Laundering framework within Second Line Compliance. You will apply sound regulatory judgement across key AML activities, including review and approval of Suspicious Activity Reports under MLRO delegation, while partnering closely with AML Operations, MLROs, and senior Compliance stakeholders. As Klarna evolves its AML operating model, you will initially contribute hands-on to critical regulatory activities and progressively shift towards analytical oversight of control design, effectiveness, and outcomes across products and markets. You will help ensure that AML risks are well understood, appropriately mitigated, and clearly evidenced to regulators.What you will doReview and approve Suspicious Activity Reports (SARs) under MLRO delegation to ensure regulatory thresholds are metReview investigations and SAR narratives for quality, completeness, and defensibilityProvide structured feedback to AML investigation teams on investigation quality and SAR narrativesIdentify complex or sensitive cases requiring escalation to MLROsPerform second-line oversight of AML controls, with a focus on Transaction Monitoring effectivenessConduct thematic reviews across SAR outcomes, escalation decisions, and typologiesAssess whether AML risks are adequately covered across products and customer segmentsContribute to AML input for new products, material changes, and control enhancementsAnalyse AML metrics and trends to identify control gaps, emerging risks, or degradationSupport governance, documentation, and clear separation of responsibilities across AML teamsWho you areSupport governance, documentation, and clear separation of responsibilities across AML teamsExperience in AML, financial crime, or compliance within a regulated financial institution, such as a bank, fintech, payments company, or equivalentStrong hands-on experience with SAR processes, including drafting, review, approval support, or filing, and understanding of applicable regulatory thresholdsDemonstrated understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practiceProven ability to apply independent judgement in complex, sensitive, or ambiguous casesExperience reviewing the quality, completeness, and defensibility of investigations and regulatory narrativesExcellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanationsAwesome to haveExcellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanationsExperience working in, or closely with, a second line of defence, compliance oversight, quality assurance, or risk functionExposure to transaction monitoring frameworks, scenario-based monitoring, or assessment of transaction monitoring effectivenessExperience supporting MLROs, acting under MLRO delegation, or preparing materials for MLRO decision-making and escalationExperience performing thematic reviews, trend analysis, or control effectiveness assessments• Familiarity with EU and US AML regulatory frameworks and supervisory expectations, including FIU processes and relevant regulatory guidelinesExperience contributing to new product risk assessments, regulatory change implementation, or control enhancementsPlease include a CV in EnglishCurious to learn more about Klarna and what it’s like to work here? Explore our career site!Klarna is proud to be an equal opportunity employer. We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs. We provide equal employment opportunities to all individuals regardless of race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law. We encourage applications from individuals of all backgrounds and identities. We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances. If you require reasonable accommodation for any part of the application or hiring process, please contact [e-mail] accordance with applicable law, the salary range for this role is provided in the job posting. The salary offered will be determined by the candidate's location, qualifications, experience, and education. The salary range posted in the job advertisement refers to the base pay. Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.