MLRO

Our client, a fast-growing fintech delivering end-to-end digital payments and banking‑as‑a‑service solutions for businesses and brands across Europe, is looking for a Money Laundering Reporting Officer. The company combines secure payments infrastructure, card issuing and processing, and flexible wallet capabilities with easy-to-integrate APIs and white‑label products, enabling partners to launch branded financial services quickly and compliantly.

Your role is to lead the AML/CTF programme for the Baltic region. This is a hands‑on leadership role: you will own suspicious activity reporting, design risk‑based controls, and work closely with product, engineering and operations to enable compliant growth across the Baltics.

Key responsibilities

• Act as MLRO for Baltic operations; file SARs/STRs and be primary regulator contact.
• Design, implement and oversee AML/CTF framework: KYC/CDD/EDD, sanctions screening, PEPs, transaction monitoring and case management.
• Tune transaction monitoring rules and manage investigations and escalations.
• Conduct customer, product and jurisdictional risk assessments and maintain AML risk register.
• Develop and deliver AML training for regional teams.
• Support audits, regulatory requests and inspections; ensure timely remediation.
• Advise product and engineering on compliance-by-design for new features and integrations.
• Build and mentor a small compliance team as needed.

Required experience & skills

• Proven MLRO/Head of AML or senior AML role in fintech, payments, banking or regulated financial services.
• Deep knowledge of EU/Baltic AML/CTF rules, SAR/STR processes, sanctions, and KYC best practices.
• Hands‑on experience with transaction monitoring systems, sanctions screening and case management tools.
• Track record of managing regulatory interactions and inspections.
• Strong investigative, risk assessment and decision‑making skills.
• Ability to influence cross‑functional teams (product, engineering, ops).
• Relevant certification preferred (CAMS, ICA or equivalent).
• Fluent English; local language(s) (Lithuanian, Latvian, Estonian or Russian) a strong plus.
• Based in or willing to relocate to the Baltics; flexible/remote arrangements negotiable.

Nice to have

• Experience with BIN sponsorship, card issuing, wallets or cross‑border payments.
• Familiarity with data‑driven monitoring, ML/analytics or working with data science teams.
• Startup/scale‑up experience and comfort in fast‑paced environments.

Location & package

• Hybrid or remote within the region with periodic travel to HQ/markets
• Competitive salary, benefits and equity package
• Health insurance
• Stock options
• Training and courses

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