AML Manager, EU (Estonia)

About the role

Lightspark is building the Money Grid, an open financial infrastructure for instant payments. It is looking for a hands-on AML Manager to run the AML/CTF and sanctions framework of its Estonian regulated entity. The role acts as deputy to the Compliance Manager (MLRO) and covers quality assurance, case oversight, training and the maintenance of AML policies and procedures. It is a second-line function, on-site five days a week, full time and permanent.

Key responsibilities

• Support the Compliance Manager (MLRO) as a second-line function and act as their delegate during absences, including reviewing escalations and deciding on suspicious activity reports to the FIU.
• Oversee the quality of first-line resolution of AML/CTF and sanctions tasks.
• Provide quality assurance over CDD/EDD, transaction monitoring and screening, including sampling, findings and tracking corrective actions to closure.
• Conduct periodic analyses and assessments in line with AML/CFT and sanctions policies.
• Contribute to the AML risk assessment and maintain AML policies and procedures, including when products, processes or regulation change.
• Organize AML training and maintain training records.
• Design, improve and implement compliance policies, procedures and tools with the management board and other departments.
• Work with Legal, Risk, Operations, Product and Finance to embed AML/CTF and sanctions requirements in daily operations.

Required profile

• 5+ years of experience in AML/CTF compliance, risk management or due diligence, ideally at a financial institution, fintech or payment business.
• Bachelor's degree in law, business, finance, economics or a comparable field, or equivalent practical experience.
• Ability to meet the regulatory fit and proper requirements for a deputy MLRO role.
• Fluency in Estonian and English; experience in a multinational, high-growth company is a plus.

Required skills

• Deep knowledge of KYB, KYC, CDD and EDD processes.
• Solid understanding of EU and Estonian AML/CTF regulatory frameworks and supervisory practice.
• Experience investigating cases and filing STRs.
• Familiarity with SumSub, ComplyAdvantage or similar AML screening tools.
• Strong analytical and investigative skills, attention to detail and good communication skills.

What we offer

• Gross monthly base salary of EUR 3,400 - 3,990, depending on experience and skills.
• Annual performance bonus and equity.