AML Specialist/Lawyer

8 hours ago

Tallinn, Harjumaa, Estonia Swaper Full time €60,000 - €120,000 per year

Company Description

Swaper is a marketplace platform that offers to buy the claim rights for loan receivables, allowing users to earn up to 16% annually. Since its launch in 2016, Swaper has shown exponential growth and raised significant investments in Europe. The platform has over 980M EUR in cumulative investments and provides easily accessible solutions through Android and iOS apps, with features like Auto-Invest Portfolio, BuyBack, and Loyalty Bonus.

Role Description

This is a full-time hybrid role for an AML Specialist/Lawyer at Swaper. The role is located in the Tallinn city center with the flexibility for some work from home. The AML Specialist/Lawyer will be responsible for overseeing and implementing Anti-Money Laundering (AML) and General Data Protection Regulation (GDPR) compliance, conducting risk assessments, and providing legal guidance on data protection and financial regulations.

Key Responsibilities

  • Create, implement, and maintain AML, Sanctions and GDPR policies and procedures.
  • Ensure compliance with Estonian AML and Sanctions laws and guidelines issued by regulatory authorities.
  • Prepare answers for inquiries from regulatory authorities and be the main contact person for regulatory authorities.
  • Perform investigations to detect and report unusual or suspicious activities.
  • Provide input for customer due diligence (CDD), enhanced due diligence (EDD) and know-your-customer (KYC) processes.
  • Provide training and awareness programs to employees on AML and Sanctions compliance matters.
  • Overseeing the implementation of controls to ensure GDPR compliance.
  • Provide legal advice on issues related to financial services regulations, data protection, and consumer rights in Estonia.
  • Act as a liaison with regulatory authorities and represent the company during audits, inspections, or investigations.
  • Draft, review, and update legal contracts, agreements, and terms of service to meet legal and regulatory standards.
  • Assist in developing internal controls to mitigate legal, regulatory, and financial risks.
  • Prepare regular AML, Sanctions and legal compliance reports for senior management and regulatory authorities.

Job Requirements:

  • At least bachelor's degree in law (mandatory).
  • Certification in AML/CFT (Certified Anti-Money Laundering Specialist – CAMS or equivalent) is preferred.
  • Minimum 3-5 years of experience in AML and Sanctions compliance and legal advisory, preferably in the financial services or fintech industry.
  • Experience with Estonian regulatory bodies such as Estonian Financial Supervision and Resolution Authority, or equivalent, is highly desired.
  • Experience with investment firms or other fintech companies is considered as an advantage.
  • Proven experience in managing compliance programs and mitigating financial crime risk.
  • Solid understanding of financial services regulations and the fintech landscape.
  • Familiarity with KYC, CDD, EDD, sanctions screening, and transaction monitoring processes.
  • Strong legal drafting and negotiation skills.
  • Attention to detail with strong analytical and investigative abilities.
  • Excellent communication skills, both written and verbal, with the ability to present complex legal information clearly.
  • Problem-solving mindset with the ability to work under pressure and manage multiple priorities.
  • Integrity and high ethical standards in handling sensitive and confidential information.
  • Must be fluent in Estonian and English.
  • Must be resident of Estonia.

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