Senior AFC Officer

Join our team as a Senior AFC Officer

Yes, you can That's our attitude towards our work, ambitions, ideas, and relationships. We at Luminor believe that anyone has the potential to achieve big things and encourage everyone to achieve them, professionally and personally. 

Whoever you are and whatever your role is, with Luminor, you will get a once-in-a-lifetime opportunity to build a local banking champion.

As a Senior AFC Officer, you'll play a key role in ensuring our AML/CFT compliance framework is strong, up to date, and aligned across the Group. You'll lead the development of procedures, support risk-based decision-making, and drive improvements that help us stay ahead of regulatory expectations.

What You Will Do:  

• Ensure regulatory requirements are met and lead the development, approval, and maintenance of Group-wide AML/CFT/CFP and DAC procedures, including customer due diligence, record-keeping, and internal information sharing
• Regularly review and update procedures to keep them effective and compliant
• Drive process improvements in AML/CFT and DAC areas to ensure efficiency and alignment across the Baltics
• Apply a risk-based approach to identify, assess, and mitigate risks, and support ongoing compliance through controls, training, and stakeholder communication
• Collaborate with teams across the bank, leasing, and pension companies to align key principles
• Support AFC Officers by advising on complex or escalated AML/CFT/DAC cases
• Provide expert guidance to business units and ensure smooth cooperation and knowledge sharing
• Contribute to the development of risk mitigation measures and suggest improvements to systems and tools

What We Expect:  

•  Profound awareness of Baltic and European regulatory requirements related to banking and financial services in general/Legal background
• Strong knowledge and experience of best practices in managing AFC risks associated with the bank business model
• Experience in AFC area at least 3 years
• Good cross-functional and cross border cooperation skills
• Fluent English is required in spoken and written communication due to working on the Pan-Baltic level 

What We Offer:

• Flexibility. Flexible working hours, Hybrid work, and the possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)
• International teams. Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun
• More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
• Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes
• Paid leave. We are proud of our employees who are participating in military training. Therefore, Luminor offers 30 fully paid calendar days for military training every year
• Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states, as well as Health days in case of your absence due to sickness without a doctor's note needed
• Wellbeing. Access to tools and resources that help you feel good and be productive at work and in life
• Professional growth. Internal and external training programs, workshops, conferences, online training, etc.
• Special Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by Luminor
• Gross salary. 3,000 - 4,500 EUR/month, which is to be determined depending on your level of experience and competencies

The application deadline is the 26th of October We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format