Institutional Due Diligence Specialist, EU

About the role

Lightspark is building the Money Grid, an open, instant financial infrastructure for payments. It is looking for an Institutional Due Diligence Specialist to join its EU Compliance team. You will own due diligence for the legal entities, partners and respondent institutions Lightspark works with: deciding who gets onboarded, keeping risk profiles up to date and spotting unusual activity early.

Key responsibilities

• Own the end-to-end due diligence process for institutional customers, including KYB legal entities, partners and respondent institutions, from onboarding through periodic reviews.
• Review onboarding applications and make risk-based decisions to approve or reject customers.
• Run periodic and event-driven reassessments, including ongoing KYB data updates.
• Conduct Enhanced Due Diligence (EDD) on higher-risk relationships.
• Monitor customer behaviour and transaction activity to spot unusual or suspicious patterns, and gather additional information or documentation where needed.
• Perform sanctions, PEP and adverse media screening.
• Escalate compliance issues, risks and findings to the Compliance Manager in a timely, structured way.
• Help build, improve and implement internal compliance procedures and best practices as the company scales.

Required profile

• 5+ years of experience in AML/CTF compliance, risk management or due diligence, ideally in financial services, fintech or payments.
• Bachelor's degree in Law, Business, Finance, Economics or a related field, or equivalent practical experience; non-traditional backgrounds are welcomed.
• Experience in a multinational, high-growth company is a plus.
• Full working proficiency in English and Estonian, as the role reviews Estonian corporate and regulatory documents and communicates with Estonian authorities.

Required skills

• Deep knowledge of KYB, CDD and EDD processes for legal entities and institutional clients.
• Hands-on experience with transaction monitoring, sanctions screening and PEP/adverse media checks.
• Familiarity with SumSub, ComplyAdvantage or similar AML screening tools.
• Strong analytical and investigative skills, attention to detail and clear communication.

What we offer

• Gross monthly base salary of €3,400 - €3,990, depending on experience and skills.
• Annual performance bonus and equity.
• Permanent, full-time position, on-site 5 days a week.