AML/CTF and Sanctions Compliance Officer / MLRO

About Us

Wallester is a cutting-edge financial technology company specializing in innovative solutions for modernizing business payment systems. We offer white-label card issuance platforms, seamless integration with existing infrastructure, and comprehensive support for both digital and physical cards. Our mission is to empower companies— startups and enterprises alike —to enhance their financial services and elevate customer experiences. Recognized as a leader in the FinTech industry, Wallester is known for its state-of-the-art technology, security, and scalability.

Role Overview We are seeking an autonomous and principled AML/CTF and Sanctions Compliance Officer to serve as our designated Financial Intelligence Unit (FIU) Contact Person. Operating in the Second Line of Defense, this role is part of a team that reports directly to the Management Board.

Key Responsibilities Risk Governance & Board Advisory

• Maintain and update the macro-level and individual ML/TF and sanctions risk assessment frameworks in line with EFSA and EBA Guidelines.
• Provide regular written updates, risk-exposure information, and a comprehensive annual compliance activity report to the Management Board.
• Advise senior management on onboarding high-risk customers.
• Propose measures to eliminate compliance deficiencies identified by your role, auditors or supervisory authorities.

Internal Controls & Operations

• Audit and monitor the efficient application of AML/CTF and Sanctions control measures across operational business lines (First Line of Defence).
• Ensure internal policies and procedures are updated immediately when new risks or legal changes emerge

Investigations & FIU Liaison

• Handle the collection, analysis, and secure retention of internal unusual transaction reports, and file formal Suspicious Activity Reports (SARs) with the FIU.
• Oversee international financial sanctions obligations, including real-time

screening controls and asset-freezing protocols.

Training & Awareness

• Document and execute the annual staff training plan.
• Educate employees on active financial crime trends, methods, and operational typologies.

Requirements

• Proven experience identifying, assessing, and managing ML/TF and Sanctions risks within a regulated financial institution.
• Degree in law, economics, finance or business (or relevant in-service training) with the advanced analytical skills needed to decode complex, high-value, or unusual transaction streams
• Strong and broad understanding of compliance laws, regulations, and industry standards. ICA or ACAMS certification is a plus.
• Excellent written and oral communication skills in English and working proficiency in Estonian.
• Sufficient seniority and length of service to carry out compliance tasks efficiently, independently, and autonomously.

We offer

• Competitive salary
• Career opportunities
• Medical Insurance upon the completion of the probationary period
• Supportive and caring Leadership
• A modern office in the center of Tallinn
• A chance to work as part of a highly motivated and talented team
• Referral program
• Stebby
• Team building and Company Events
• Free parking

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