Senior Compliance Specalist

Klarna; Stockholms kommun; On-site; SEK 650,000 - 950,000; Full time

Job summary

Klarna is seeking an experienced Compliance Testing professional to join the second line of defense. You will own tests, assess control effectiveness against EU requirements, and coordinate with stakeholders to implement corrective actions.

The role emphasizes data analysis, automation, and AI-enabled testing tools, with responsibility for end-to-end test delivery and clear reporting to senior management.

Qualifications

• At least 3 years in compliance testing, monitoring, or audits within financial services, fintech, banking, or payments.
• Experience designing or running testing scripts, audit programs, or structured review methodologies (scoping, sampling).

Responsibilities

• Own each test from start to finish: scoping, scripting, interviews, reporting, and follow-up.
• Assess design and operating effectiveness of controls against EU requirements and guidance.
• Account for national implementation where Klarna operates when controls change.
• Deliver testing in line with the team’s annual testing plan.
• Use data analysis, automation, and AI-enabled tools to scope and sample tests.
• Write reports with findings, risks, and recommendations for senior management.
• Track observations through to corrective actions and close them on time.
• Act as main contact for business and compliance stakeholders during tests.

Skills

Compliance testing

Compliance monitoring

Auditing (internal/external)

Job description

larna, briefly At Klarna, we’re building an everyday finance network, helping over 120 million consumers across 26 countries save time and money, and worry less about their finances. Working here means taking on problems most companies never get to solve, and being hands‑on enough that the interesting part of the work lands with you, not someone else — you’ll build with AI, not watch it happen. This is the stretch zone. Come find out what you’re capable of.

larna, briefly At Klarna, we’re building an everyday finance network, helping over 120 million consumers across 26 countries save time and money, and worry less about their finances. Working here means taking on problems most companies never get to solve, and being hands‑on enough that the interesting part of the work lands with you, not someone else — you’ll build with AI, not watch it happen. This is the stretch zone. Come find out what you’re capable of.

About The Role

Klarna’s payments and consumer credit business is regulated under PSD2, the Consumer Credit Directive, outsourcing and third‑party oversight requirements, AML/CFT rules, and GDPR. Someone has to check, independently of the business, that the controls Klarna relies on to meet those requirements work in practice and not just on paper. In this position, that’s you.

You’ll sit in the Compliance Testing Team, part of Klarna’s second line of defense, and act as the team’s EU regulatory subject matter expert. When a testing question turns on what a directive or EBA guideline requires, colleagues will look to you for the answer.

The team tests with data and automation as much as with interviews and documents. You’ll work in a setting where analysing a full data population is the expectation, and sampling by hand is the fallback.

What You’ll Do

• You’ll own each test from start to finish: scoping it, drafting the testing script, running stakeholder interviews and fieldwork, reporting the results, and following up on findings.
• You’ll assess both the design and the operating effectiveness of controls against EU requirements, EBA and other European Supervisory Authority guidance, and Klarna’s internal governing documents.
• You’ll account for national implementation in the markets where Klarna operates when it changes what a control has to achieve.
• You’ll deliver your testing in line with the team’s annual testing plan.
• You’ll use data analysis, automation, and AI-enabled tools to scope and sample tests, and you’ll analyse full data populations where possible instead of relying only on manual samples.
• You’ll help build and maintain repeatable automated tests and monitoring.
• You’ll write reports that set out findings, risks, and recommendations clearly enough for senior management to act on them.
• You’ll track compliance observations from testing through to corrective action and close them on time.
• You’ll act as the main contact for business and compliance stakeholders throughout a test, and support them as they implement corrective actions.

Who You Are

• You’ve spent at least 3 years in compliance testing, compliance monitoring, or internal or external audit within financial services, fintech, banking, or payments, and you understand how second line of defense functions identify and mitigate risk.
• You’ve designed or run testing scripts, audit programs, or structured review methodologies, including scoping, sampling,