Job Description

About the Client

Our client is an Estonian-regulated financial institution focused on building a European digital banking business. They specialize in providing modern, technology-driven financial services. Their customer base spans across Europe, and they are committed to developing innovative financial solutions.

Join a dynamic team as a Money Laundering Reporting Officer in Tallinn, Estonia. In this pivotal role, you will lead the AML and CTF framework. This position offers a unique opportunity to influence the compliance strategy and ensure alignment with regulatory requirements. You will be at the forefront of implementing effective risk management processes and have a direct impact on the company's growth in the fintech landscape.

Key Responsibilities

• Take overall responsibility for the company’s AML/CTF framework and MLRO function

• Build and implement the AML/CTF policies, procedures, controls, and internal processes

• Establish the company’s AML risk assessment framework and ongoing monitoring processes

• Develop and oversee transaction monitoring, KYC/KYB, sanctions screening, and other AML-related controls

• Select, implement, and oversee the relevant AML/compliance tools and systems

• Establish appropriate reporting, escalation, and governance processes

• Act as the primary point of contact with the Estonian Financial Intelligence Unit (FIU) and other relevant regulators on AML/CTF matters

• Prepare and manage regulatory reporting and respond to regulatory requests and enquiries

• Ensure the company’s AML framework remains compliant with applicable Estonian and EU regulatory requirements

Requirements

• Proven experience as an MLRO / AML Officer / Head of AML within a regulated financial institution

• Strong knowledge of Estonian and EU AML/CTF requirements and regulatory expectations

• Experience working with or communicating directly with Estonian regulators / FIU

• Hands-on experience building AML/compliance frameworks and processes

• Strong understanding of KYC/KYB, transaction monitoring, sanctions screening, risk assessment and AML governance

• Fluent English and Estonian

• Based in Estonia / strong local Estonian market and regulatory knowledge

Key Soft Skills

• Strong ownership and ability to operate independently

• Excellent communication and stakeholder management skills

• Strong strategic and analytical thinking

• Hands-on, proactive approach to building processes from the ground up

• Strong attention to detail and problem-solving skills

What We Offer

• Competitive salary aligned with experience

• Collaborative and transparent team culture

• High-impact role in a scaling fintech company

• Recognition of personal milestones and achievements

• Social benefits