Quality Analyst - Financial Crimes

Klarna; Columbus (OH); On-site; USD 85,000 - 120,000; Full time

Job summary

Klarna is seeking a Senior Financial Crimes Analyst to support high-quality fraud and AML monitoring by reviewing cases and identifying deviations across disciplines. You will be a key contributor in the first line of defense, assess investigator decisions, deliver data-driven insights to Compliance and Operations, and help drive continuous improvement, standardisation, and operational excellence.

In a tech-forward environment, you'll engage with training enablement and AI-assisted tooling to

Qualifications

• 5+ years hands-on experience investigating KYC, Fraud, and AML cases.
• Degree in Finance, Law, Business Admin, Criminology, or related field.
• Experience with quality control reviews or investigations standards in KYC/AML/fraud.
• Strong knowledge of AML/KYC regulatory expectations and FATF guidance.

Responsibilities

• Review cases across fraud and AML to assess adherence to procedures.
• Identify deviations and provide data-driven insights to Compliance and Operations.
• Contribute to training and enablement with structured feedback.
• Support continuous improvement and standardisation of workflows.

Skills

KYC/AML investigation

Fraud monitoring

Data analysis

Regulatory knowledge

Communication skills

Education

Finance/Law/Business Admin/Criminology degree

Tools

SQL

Job description

What You Will Do

In this position, you will support high-quality fraud and AML financial crime monitoring by reviewing cases across both disciplines, identifying deviations, and strengthening investigative accuracy across operations. You will act as a key contributor in the first line of defense, assessing investigator decisions and adherence to procedures while delivering data-driven insights to Compliance and Operations teams about the overall program. By identifying quality gaps across fraud and AML workflows, you will help drive continuous improvement, standardisation, and operational excellence. You will also contribute to training enablement by providing structured feedback and actionable insights that enhance end-to-end financial crime process quality. You'll work in a tech-forward environment that's increasingly leaning on data and AI-assisted tooling to sharpen case review — there's plenty of room to bring in better ways of working if you're the type who enjoys that.

What You Will Do

In this position, you will support high-quality fraud and AML financial crime monitoring by reviewing cases across both disciplines, identifying deviations, and strengthening investigative accuracy across operations. You will act as a key contributor in the first line of defense, assessing investigator decisions and adherence to procedures while delivering data-driven insights to Compliance and Operations teams about the overall program. By identifying quality gaps across fraud and AML workflows, you will help drive continuous improvement, standardisation, and operational excellence. You will also contribute to training enablement by providing structured feedback and actionable insights that enhance end-to-end financial crime process quality. You'll work in a tech-forward environment that's increasingly leaning on data and AI-assisted tooling to sharpen case review — there's plenty of room to bring in better ways of working if you're the type who enjoys that.

Who You Are

• Own your outcomes — you see a finding through to resolution rather than just flagging it and moving on.
• Team-first transparency — you share findings and credit openly rather than working in a silo; you help colleagues do their best work.
• Courage and accountability — you are willing to voice a dissenting view or flag your own mistake, even when it's uncomfortable; you treat being wrong as an opportunity, not a threat.
• You challenge the status quo — you are comfortable questioning an existing process, checklist, teammate, or lead's decision when something looks off. You argue a position hard when you have one, then fully execute once a decision is made instead of relitigating it.

The Experience You Bring

• 5+ years with direct, hands‑on experience investigating cases across KYC, Fraud, and AML — including onboarding, due diligence, alert handling, case investigations, and SAR writing/filing (the more jurisdictions, the better).
• A university degree in Finance, Law, Business Administration, Criminology, or a related field connected to financial crime prevention.
• Ideally, 1–3 years of experience performing quality control reviews, peer assessments, or evaluations of investigation standards within KYC, AML, and/or fraud environments.
• A solid understanding of AML and KYC regulatory expectations and fraud prevention frameworks, including familiarity with FATF recommendations and relevant regional guidance.
• Ability to communicate investigative reasoning clearly and collaborate effectively with investigators and team leads.
• Strong analytical and written communication skills, with experience contributing to quality assessments, defect documentation, and reporting.

All of the extras we'd love you to have (but encourage you to apply even if you don't)

• You love to build and have experience doing it — ready to jump into creating something great rather than waiting for a team to do it for you.
• You speak more than one language (German, French, and Swedish ideally).
• Genuine enthusiasm for tech and AI — you are comfortable adopting new tools, automating manual steps, and using AI-assisted analysis to work smarter across case volumes.
• A fast learner who can pick up new typologies, systems, and regulatory changes quickly. Change happens a lot here — experience working in this type of environment (and enjoying it!) is important.
• Experience coaching and supporting others — you know how to build people up and help them grow.
• Demonstrated continuous learning — CAMS, CFE, Project Management, Masterclasses, SQL — anything that shows you are continuing to learn in this space or outside of it.
• Technical skills — any and all technical skills are welcome and a bonus. We love to build here.
• Comfort operating in ambiguity — sound judgment when procedures don't cover every scenario, and a bias toward figuring it out.

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].

In accordance with applicable law, the salary range for this position 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.