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Salary: EUR 3,400 - 3,990 / monthly
Lightspark is building the Money Grid, modern open financial infrastructure enabling instant, accessible, and affordable payments globally. The company is seeking a hands-on AML Manager to lead the anti-money laundering, counter-terrorist financing (AML/CTF), and sanctions framework for Lightspark's Estonian regulated entity.
In this second-line compliance role, you will manage day-to-day AML/CTF and sanctions controls, working closely with the Compliance Manager (MLRO), management, and cross-functional teams. You will serve as deputy to the Compliance Manager and act as their delegate during absences, including reviewing internal escalations and deciding on suspicious activity reports to the Financial Intelligence Unit.
Key responsibilities include:
- Overseeing quality assurance of customer due diligence (CDD), enhanced due diligence (EDD), transaction monitoring, and screening controls
- Conducting sampling, identifying findings, and tracking corrective actions to closure
- Supporting and guiding first-line teams in daily operations and case handling
- Conducting periodic analyses and assessments aligned with AML/CTF and sanctions policies
- Contributing to AML risk assessments and maintaining policies and procedures
- Organizing AML training for staff and maintaining training records
- Designing and implementing compliance policies, procedures, and tools with the management board and other departments
- Collaborating with Legal, Risk, Operations, Product, and Finance to embed AML/CTF and sanctions requirements into daily operations
This is a full-time, permanent, on-site role (5 days per week) requiring deep expertise in AML compliance and sound, well-documented judgment in a regulated environment.
REQUIREMENTS:
- 5+ years of experience in AML/CTF compliance, risk management, or due diligence, ideally at a financial institution, fintech, or payment business
- Bachelor's degree in law, business, finance, economics, or comparable field, or equivalent practical experience
- Deep knowledge of KYB, KYC, CDD, and EDD processes
- Solid understanding of EU and Estonian AML/CTF regulatory frameworks and supervisory practice
- Experience investigating cases and filing Suspicious Transaction Reports (STRs)
- Ability to meet regulatory fit and proper requirements for a deputy MLRO role
- Familiarity with AML screening tools such as SumSub or ComplyAdvantage
- Strong analytical and investigative skills with sound judgment on case resolution and escalation
- High attention to detail and discipline in record-keeping and case file management
- Excellent communication skills, able to explain AML requirements in practical terms to non-compliance audiences
- Strong commitment to ethical standards
- Strong organizational skills and ability to manage multiple priorities in a fast-paced, regulated environment
- Fluency in Estonian and English (role requires review of Estonian-language corporate and regulatory documentation and communication with Estonian authorities)
- Experience in a multinational, high-growth company is a plus
