Senior AML Specialist, EU
€41k - €48k EUR
Lightspark is building the open payment protocol for the Internet making money move like data: instantly, globally, and without friction. With enterprise tools like Grid, Node, and Spark, businesses can send and receive money instantly, securely, and at a fraction of the cost, anytime, anywhere. Lightspark is headquartered in Los Angeles, California, but serves the world.
Lightspark Payments Europe AS is a financial technology company with its place of operations and office in Tallinn, Estonia. Lightspark Payments Europe AS is a payments platform for businesses to build applications on without doing any of the heavy lifting related to regulatory compliance and building compliant software to blend crypto services and traditional financial services.
We are seeking an experienced and detail-oriented Senior AML specialist to join our dynamic AML Compliance team. In this role, you will be responsible for managing the application of due diligence measures for Customers who are natural persons (KYC). You will oversee the end-to-end due diligence process, from customer onboarding and periodic reviews to transaction monitoring and ensuring compliance with relevant regulations. As the senior AML specialist, you will play a critical role in assessing, approving, and rejecting customer applications, conducting enhanced due diligence, conduct transaction screening and monitoring and ensuring compliance with our internal policies and regulatory obligations.
This position is based on-site at our offices in Tallinn, Estonia.
What you’ll do:
Apply and oversee due diligence measures for Customers, (KYC).
Manage Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) processes in accordance with internal policies and regulatory standards.
Review onboarding applications and make informed decisions on approving or rejecting Customer applications based on risk profiles.
Conduct periodic reviews and event-based reassessments of Customers, including ongoing Know Your Client (KYC) data updates.
Monitor and analyze Customer behavior and transaction activity, identifying any unusual or suspicious patterns.
Conduct transaction screening and monitoring, gathering additional information or documentation where required.
Supervise and guide team members to ensure consistent, high-quality due diligence outcomes.
Escalate compliance issues, risks, and findings to the Compliance Manager in a timely and structured manner.
Contribute to the development, enhancement, and implementation of internal compliance procedures and best practices.
Serve as a first point of contact for inquiries from third parties.
Participate in ongoing training related to AML/CFT and other subjects related to work
requirements.Fulfill any other obligations assigned under the Company’s internal compliance policies and procedures.
What we’re looking for:
Bachelor’s degree in Law, Business, Finance, Economics, or another relevant discipline.
Minimum of 3 years’ experience in AML/CTF compliance, risk management, or due diligence, preferably within financial services, fintech, or payments.
Strong knowledge of Customer Due Diligence (CDD), Enhanced Due Diligence (EDD)
Proven experience with transaction monitoring, sanctions screening, and PEP/adverse media checks.
Familiarity with SumSub, ComplyAdvantage, or other AML screening systems.
Excellent analytical, investigative, and decision-making skills.
High attention to detail with a strong understanding of regulatory frameworks and internal compliance processes.
Strong communication and leadership abilities with a commitment to ethical standards.
Ability to manage multiple priorities in a fast-paced environment while maintaining accuracy and compliance integrity.
Experience in a multinational, high-growth environment is strongly preferred.
Fluency in English and Estonian.
We offer a full-time position and a termless contract. The range of gross annual compensation for this role ranges between €40,810 - €47,908 plus an annual bonus as a percentage of base salary. We take into account an individual’s qualifications, skillset and experience when determining salary. The salary range listed in the job posting reflects the new hire salary range across levels that would be applicable to the position. The final salary will be commensurate with the candidate’s final level and represents the base salary only.
We encourage you to apply even if you may feel like your knowledge and experience do not precisely meet every point of this job description. At Striga, we support our team’s growth and development over time.
We process the personal data of job applicants in accordance with our Privacy Policy, found on the website https://eu.lightspark.com/. Your application confirms your consent to our data practices.
Lightspark is on a mission to build an open payment protocol for the Internet at scale and therefore we’re committed to creating a more inclusive and diverse workplace to reflect the customers we serve. We welcome interest from individuals of all backgrounds and levels of experience who share our mission. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or other applicable legally protected characteristics.
Lightspark is on a mission to build an open payment protocol for the Internet at scale and therefore we’re committed to creating a more inclusive and diverse workplace to reflect the customers we serve. We welcome interest from individuals of all backgrounds and levels of experience who share our mission. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or other applicable legally protected characteristics.
We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the State of California Fair Chance Initiative for Hiring.