AML / Compliance Officer

🎯 Role Overview

AML/Compliance Officer is responsible for supporting PaySaxas’ AML/CFT, sanctions compliance, and financial crime prevention framework by ensuring effective customer onboarding, sanctions screening, CDD/EDD, periodic review, transaction monitoring, investigations and SAR/STR drafting, and compliance controls. The main purpose of the role is to identify and mitigate financial crime risks while maintaining compliance with applicable regulatory requirements and internal standards. The role contributes to PaySaxas’ goals by strengthening compliance operations, supporting business growth, and maintaining trust with customers, partners, and regulators.

💼 Key Responsibilities

Compliance Operations:

• Perform customer onboarding reviews, including comprehensive risk assessments.
• Conduct sanctions, PEP, and adverse media screening reviews.
• Perform CDD/EDD (Customer Due Diligence / Enhanced Due Diligence) and periodic reviews.
• Support the Partner Onboarding process, ensuring its effectiveness from PaySaxas' perspective while meeting partner expectations.
• Support the implementation, maintenance, and continuous improvement of compliance systems, procedures, workflows, controls, and documentation.

Transaction Monitoring & Investigations:

• Review transactions and investigate unusual or suspicious customer activity.
• Document all investigations in a complete, clear, and auditable manner.
• Draft Suspicious Activity Reports (SAR) and Suspicious Transaction Reports (STR).
• Propose enhancements to transaction monitoring rules, controls, screening systems, and Sumsub configurations.
• Support the setup, optimization, and future improvement of the transaction monitoring system.

Framework & Regulatory Support:

• Participate in the implementation of Compliance and AML initiatives led by the Head of Compliance.
• Review and provide professional feedback on internal compliance procedures and instructions.
• Monitor developments in global AML/CTF, sanctions, and financial crime regulations, providing actionable recommendations for policy updates.

• Support regulatory inspections, audits, and information requests relating to AML/CTF compliance.

   

🛠 Required Skills and Qualifications

• Bachelor’s degree in Law, Finance, Business, or a related field.
• Certification in AML/CTF (e.g., ACAMS, ICA, or alternative) is preferred
•  Minimum 3 years of experience in AML or FinCrime prevention, Compliance, including
• KYB within a regulated fintech, payments, crypto, or financial services environment
• Strong knowledge of AML/CFT, Sanctions Compliance, KYB, Transaction monitoring, SAR drafting, and Risk assessment.
• Strong knowledge of EU AML regulations (Finnish is preferable) and/or Canadian AML regulations or alternative international regulatory frameworks.
• Experience liaising with regulatory bodies (e.g., FIN-FSA, FIU).
• Experience with AML/KYC platforms (Sumsub, AmlBot, or alternative)
• Strong communication and stakeholder management skills.
• Upper-Intermediate English. Other languages are advantageous

📊 Success Metrics

You will thrive in this role if you demonstrate:

• High accuracy in handling onboarding, screening, CDD/EDD, and periodic reviews.
• High quality in transaction reviews, investigations, and drafted SARs/STRs.
• The ability to back up regulatory reporting and draft compliance documentation when requested.
• Zero major compliance breaches or findings in internal and external audits.
• Full compliance with partner requirements, internal procedures, and applicable Service Level Agreements (SLAs).

🎁 What We Offer

• Remuneration: Competitive base rate  (depending on experience) 
• Contract: Secure and transparent B2B contract.
• Flexibility: 100% remote work environment with the freedom to manage your schedule.