Investment Banking Financial Crime Advisory ensuring compliance with laws, managing legal risks. Collaborate with teams to execute the First Line Financial Crime program across banking.
About the role
- Head of Compliance and AML at Estonian regulated FinTech, leading compliance strategy at board level. Building compliance frameworks and engaging with regulators as the business scales.
Responsibilities
- Define and lead the company’s Compliance and AML/CTF strategy in line with Estonian and EU regulatory frameworks;
- Act as a Management Board Member, ensuring strong governance, oversight, and regulatory accountability;
- Serve as the primary liaison with Estonian regulatory authorities, managing all communication during the licensing process and beyond;
- Design, implement, and continuously enhance the company-wide compliance framework, including policies, procedures, and internal controls;
- Oversee end-to-end AML/CTF processes: client onboarding, KYC, transaction monitoring, enhanced due diligence, and sanctions screening;
- Lead and develop the compliance function, working closely with MLRO and cross-functional stakeholders;
- Prepare and present regular reports to the Board on compliance risks, regulatory updates, and performance metrics;
- Provide independent, strategic challenge on business initiatives from a regulatory and risk perspective;
- Drive a strong compliance culture through training, awareness, and best practices across the organisation.
Requirements
- Proven experience (7+ years) in a senior Compliance and AML role within Estonian regulated financial institutions within payments, digital assets, or banks
- Deep knowledge of Estonian AML/CFT legislation, FFIU guidelines, and EU-wide frameworks including AMLD5/6, MiCA, PSD2, and EBA guidelines
- Demonstrated ability to operate at Board level and fulfil the role of a responsible person, meeting Estonian regulatory "fit & proper" standards
- Track record of building or significantly overhauling compliance and AML functions from the ground up, including policies, procedures, controls, and team structure
- Hands-on experience with regulatory licensing processes, and managing regulatory inspections or audits
- Familiarity with digital asset compliance, CASP regulations, and crypto-specific AML typologies is a strong advantage
- Exposure to multi-jurisdictional compliance environments (EU, UK, USA or similar) within a group structure is a plus
- Excellent communication, leadership, and decision-making skills, with the ability to translate complex regulatory requirements into actionable business guidance
- Strong stakeholder management skills — comfortable engaging with regulators, auditors, board members, and external counsel at the highest level
- High level of integrity, independence, and professional judgment, with a reputation for sound ethical conduct
- Estonian citizenship and residency (mandatory), with full professional fluency in both Estonian and English.
Benefits
- Competitive compensation aligned with senior leadership responsibilities
- Opportunity to grow on a group level
- Full time employment agreement in Estonia
- Flexible hybrid working model with strong autonomy
- Opportunity to work alongside experienced professionals in banking and payments
- A mission-driven culture focused on responsible innovation and regulatory excellence
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