AML Officer

Company Description

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Job Description

We are looking for an AML Officer to join the AML team at Tink. This is one of the key roles in Tink's development as a payments company. We believe that it would be an ideal move for a professional with a solid background in anti-money laundering (AML), counter terrorism financing (CTF) and sanctions with a drive to continually improve themselves and the organisation in which they work.

The AML team's responsibility is to prevent Tink's products from being used for criminal activities. The main task in this area is the establishment and continuous enhancement of an AML/CTF and sanction framework, consisting of processes, systems and tools as well as training programs tailored to Tink's specific needs but also drawing from Visa's capabilities.

What you will do

You will be a part of the first-line AML operations team collaborating closely with internal stakeholders such as Tink's commercial- & customer support teams, product teams as well as having close customer contact. For this role, you need to be based in Stockholm. The role reports to Tink's AML Manager.

• Act as the first line of defense for new partners and customers
• Analyze customer applications and perform risk-based recommendations, including PEP, Sanctions, and Adverse Media checks
• Analyse customer behaviour and transaction patterns
• Suggest and take the lead on improvements to the different processes and procedures
• Lead and collaborate with cross-functional teams on day-to-day tasks as well as on projects
• Enhance the existing AML/CTF framework at Tink
• Support with development and maintain internal documentation (processes and procedures) in line with Tink's AML program
• Work closely with the AML Manager and the MLRO/OCR to escalate suspicious transactions to the relevant national authorities.
• Suggest improvements to the monitoring processes, the on-boarding process, consumer risk rating process and review routines to improve detection.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Qualifications

• At least 5 years of experience working with AML/CTF in an operational, hands-on role
• Experience from a regulated payment institution.
• Experience with updating governance documents for financial crime.
• The ability to prioritise, structure and adapt to changes in an entrepreneurial environment.
• Expertise within core AML/CTF processes such as customer due diligence and onboarding and transaction monitoring
• Strong investigative and analytical skills that you can translate into clear and concise reports, recommendations or decisions.
• Strong communicator in spoken and written English and Swedish.

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.