At Monese, we are breaking down boundaries every day to help you build a better future.

As the digital alternative to banks, we are empowering people all over the world through our award-winning financial products – We have helped millions of customers revolutionise the way they live their lives in a global world.

We are backed by the best of the best, with over $200+m funding to date from market experts such as HSBC, Kinnevik, Investec and PayPal.

We want people with passion and dedication to help us go the distance and support our ambition to change lives.

Summary of Role:

We seek an expert in financial crime with experience in the fintech industry in Europe and the UK. The ideal candidate will have a broad and detailed understanding of the European regulatory landscape, particularly in onboarding, transaction monitoring, and investigations.

The position is based within the global compliance function in Tallinn, Estonia, and requires regular attendance at the central Tallinn office. The successful candidate will have proven people management experience, including training, coaching, and team development, and will oversee quality reviews, performance management, and workflow automation initiatives. 

What you’ll be doing:

• Oversee the customer onboarding process, including KYC due diligence, risk assessment, and investigations.

• Manage screening programs for Sanctions, PEP, and Adverse Media.

• Monitor payment transactions (Card, Bank, etc.) for fraud, AML, and terrorist financing risks.

• Continuously review and improve processes, workflows, and team efficiencies.

• Support the MLRO in preparing and presenting data for internal and external reporting.

• Develop and deliver training programs for new and existing team members.

• Lead the team's performance, development, and operational effectiveness.

What we are looking for:

• At least 5 years of experience in KYC/AML within a leadership role, ideally in the fintech sector.

• Proven success in people management, including coaching and developing teams.

• Strong knowledge of payments, risks, and relevant UK/EU regulations (4/5MLD, JMLSG, FCA Handbook SYSC).

• Expertise in interpreting and implementing regulatory requirements in the electronic money and payments industry.

• Extensive experience in developing and managing compliance monitoring programs.

• In-depth understanding of money laundering and terrorist financing regulations in Europe and the UK.

• Exceptional interpersonal and communication skills, both written and verbal.

• A proactive, self-motivated approach, with a focus on continuous improvement.

• Ability to manage multiple priorities and meet tight deadlines under pressure.

What benefits we offer:

• Ample opportunity for personal growth at one of the leading tech startups in Europe
• A flat structure with open communication where everyone has a voice
• High degree of autonomy in a motivated and talented international team
• A stack of modern technologies
• Generous stock options and competitive salary
• Learning and development support scheme
• Flexible working hours and working from home
• Working abroad
• Enhanced sick days, voluntary day, days off for a wedding and more
• Monese VIP account