Sr AML Specialist - Finland

The role

We are looking for a Senior AML Specialist to join our Compliance team in Finland and help strengthen wamo’s AML/CFT capabilities. Reporting to the Chief Compliance Officer, you’ll play a hands-on role across the AML lifecycle - from digital customer onboarding and risk assessment through transaction monitoring, investigations, suspicious transaction reporting and sanctions screening. This is not a purely policy-focused role. You’ll work directly with cases, systems and controls while also helping us continuously improve how our AML framework operates in practice. You’ll contribute to our AML/CFT risk assessment, monitoring controls, policies and regulatory readiness, working closely with the CCO and teams across the business. We’re looking for someone who combines strong AML judgement with a practical, analytical mindset and is comfortable operating in a fast-moving digital financial environment. Review and risk-assess customers onboarded through fully digital channels, including CRA, CDD, EDD, identity verification, PEP assessments and high-risk jurisdiction considerations Investigate and resolve transaction monitoring alerts across payments and transfers, identifying unusual or potentially suspicious activity Contribute to the review, calibration and improvement of transaction monitoring rules and controls, including reducing false positives without compromising detection effectiveness Investigate suspicious activity and prepare and submit suspicious transaction reports to the Finnish Financial Intelligence Unit (FIU) in line with internal procedures Support the CCO in maintaining and updating the company’s AML/CFT risk assessment Maintain clear, accurate and defensible case files, including CDD evidence, investigation findings, risk rationale, monitoring decisions and escalation records Oversee day-to-day sanctions and PEP screening activities and investigate or escalate potential matches Work closely with relevant teams on cases where AML and fraud risks overlap, including mule accounts, account takeover and other suspicious payment activity Support the CCO with FIN-FSA interactions, regulatory information requests, inspections and related remediation activities Support internal and external audits relating to AML/CFT Contribute to the development and continuous improvement of AML/CFT policies, procedures and controls Support the development and delivery of AML/CFT training and awareness across the business Keep up to date with relevant Finnish and EU AML/CFT regulatory developments and support their implementation within the business