Our client is a leading global fintech pioneer and one of the world’s most successful "Super App" operators. Backed by a fully licensed financial group and valued as one of the highest-reaching unicorns in Asia, the company has revolutionized how millions of users interact with money—integrating banking, payments, investments, and insurance into a single, seamless ecosystem.
With a mission to eliminate friction in financial services, they are now bringing their proven track record of innovation to the European market. By establishing a regulated entity in Lithuania, our client aims to leverage the country’s vibrant fintech ecosystem as a strategic gateway for a broader European expansion.
They are currently looking for a Senior AML Specialist to work directly alongside the MLRO, owning complex AML/CFT operations end-to-end—from KYC/EDD and sanctions & PEP screening to transaction monitoring and SAR/STR filings.
Responsibilities
- KYC Manual Review & Enhanced Due Diligence (EDD): Conduct thorough manual reviews for escalated onboarding exceptions, resolving issues such as identity verification (IDV) failures, data mismatches, and complex profiles. In addition, perform deep-dive EDD for high-risk customers by critically analyzing Source of Funds (SoF) and Source of Wealth (SoW) documentation to verify legitimacy and economic rationale;
- Sanctions & PEP Monitoring: Investigate potential matches against the global sanctions/PEP list. Analyze alerts to accurately discount false positives and escalate true matches or high-risk profiles with solid evidence and justifications;
- Transaction Monitoring (TM): Conduct comprehensive reviews of customer transaction activities. Analyze abnormal behaviors, structuring patterns, and unexpected fund movements to detect potential financial crimes, utilizing various monitoring channels and escalations;
- Suspicious Activity Investigation & Reporting (SAR/STR): Take ownership of end-to-end internal investigations. Draft clear, structured, and comprehensive investigation memos for the MLRO, ensuring all necessary evidence is prepared for potential FCIS reporting;
- AML Tools & Operations: Operate and navigate in-house. Proactively engage with customers via RFI (Request for Information) to resolve uncertainties and gather supporting documents.
Requirements
- 5+ years of hands-on experience in AML/CFT operations, preferably within a fintech, payment institution, or banking environment;
- Proven experience across the full spectrum of AML operations, including KYC/EDD, Sanctions/PEP screening, and Transaction Monitoring;
- Ability to move beyond simple checklist reviews. You must be able to independently assess risks, connect the dots in complex financial data, and make sound, risk-based judgments;
- Demonstrated experience in conducting internal investigations and drafting detailed escalation reports to support SAR/STR filings;
- Strong ability to utilize and adapt to automated AML monitoring, screening systems, and case management tools;
- Excellent written and verbal communication skills in English to clearly articulate risks and investigation findings;
- CAMS (Certified Anti-Money Laundering Specialist) or equivalent certification (preferred);
- Familiarity with the Lithuanian/EU AML regulatory landscape and supervisory expectations.
- Experience in collaborating directly with an MLRO or senior compliance leadership;
- Proven experience in managing AML/CFT risks for financial services provided across multiple EU jurisdictions via passporting.
Benefits
- A high-impact regulatory role shaping Toss’s AML/CTF foundation for our European expansion;
- Opportunity to build the AML function from zero to full launch and contribute to overall governance;
- Close collaboration with senior teams at HQ on key regulatory and operational decisions;
- Competitive compensation package (starting from 4000 EUR gross/month depending on experience)
- Flexible and supportive work environment.