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Salary: EUR 40,810 - 47,908 / monthly
Lightspark is building the Money Grid, modern open financial infrastructure enabling accessible, affordable, and instant payments for businesses and users worldwide. The company is seeking an Institutional Due Diligence Specialist to join the EU Compliance team in Estonia.
In this role, you will own the end-to-end due diligence process for institutional customers, including legal entities (KYB), partners, and respondent institutions. Your responsibilities include:
- Managing the complete due diligence lifecycle from onboarding through periodic reviews
- Reviewing onboarding applications and making risk-based approval/rejection decisions
- Conducting periodic and event-driven reassessments with ongoing KYB data updates
- Performing Enhanced Due Diligence (EDD) on higher-risk relationships
- Monitoring customer behavior and transaction activity to identify unusual or suspicious patterns
- Executing sanctions, PEP, and adverse media screening
- Escalating compliance issues and risks to the Compliance Manager in a structured manner
- Contributing to the development and implementation of internal compliance procedures and best practices as the company scales
You will play a critical role in keeping Lightspark safe and compliant during its growth phase and help shape the compliance processes used across the organization.
REQUIREMENTS:
- 5+ years of experience in AML/CTF compliance, risk management, or due diligence, ideally in financial services, fintech, or payments
- Deep knowledge of CDD, EDD, and KYB processes for legal entities and institutional clients
- Hands-on experience with transaction monitoring, sanctions screening, and PEP/adverse media checks
- Familiarity with SumSub, ComplyAdvantage, or similar AML screening tools
- Strong analytical and investigative skills with sound, well-documented judgment
- High attention to detail and solid understanding of EU and Estonian AML/CTF regulatory frameworks
- Clear communicator with strong commitment to ethical standards
- Ability to manage multiple priorities in a fast-paced environment without compromising accuracy
- Full working proficiency in English and Estonian (role requires review of Estonian-language corporate and regulatory documentation and communication with Estonian authorities and counterparties)
- Bachelor's degree in Law, Business, Finance, Economics, or related field, or equivalent practical experience
- Experience in a multinational, high-growth company is a plus
- Full-time, permanent, on-site 5 days per week
