AML Specialist - Screening

LHV Bank

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are looking for an AML Specialist to join LHV Bank’s transaction monitoring team. If you have a strong interest in financial crime prevention, transaction monitoring, and regulatory compliance, and you bring experience in detecting and analysing suspicious activities, this role could be the perfect fit for you. YOUR DUTIES AND RESPONSIBILITIES: * Analyse financial transactions of financial intermediation clients to detect and prevent financial crime on an international scale. * Conduct background research and gain an in-depth understanding of various business sectors while working with a diverse client base and transaction parties. * Contribute to the development of new transaction monitoring rules and the improvement of daily processes. SKILLS AND EXPERIENCE: * Previous experience in anti-money laundering (AML) or a strong interest in financial crime prevention and international financial markets. If lacking direct AML experience, the ability to demonstrate strong logical thinking, analytical skills, and a quick learning ability. * Proactive, resourceful, responsible, and committed to continuous skill development. * Strong command of English, as the role involves working in an international team alongside UK-based colleagues. * Experience in financial technology (FinTech) or an understanding of the payments industry is beneficial. * Knowledge of virtual asset wallets and payment services is a plus. * A university degree in law or economics (or ongoing studies in these fields) is advantageous. LET’S SEE WHAT WE OFFER YOU: * Exiting challenges providing great opportunities for personal and professional growth. * Personal development through internal and external training. * A dynamic, innovation-driven environment where your ideas will shape the future of Banking. * Health Insurance. This is not really the end of our offer list. You’ll find out about the rest when you apply. Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.

WhiteTech

At WhiteTech, we empower businesses in the financial ecosystem with cutting-edge white-label and SAAS solutions. Our comprehensive suite of tools is tailored for EMI, PSP, e-commerce, and open banking platforms. With WhiteTech, clients gain access to a platform designed for flexibility, scalability, and seamless integration. Our mission is to help businesses unlock their full potential in a rapidly evolving financial landscape. Whether scaling your PSP, enhancing your EMI services, or diving into open banking, WhiteTech is your partner for innovation and growth. We are a remote-first technology company and welcome applications from candidates across Europe, including the EEA, the UK, Switzerland, and other non-EEA European countries such as Ukraine, Moldova, Georgia, Armenia, Montenegro, Turkey, and the Western Balkans. We also consider applicants from different locations who can work within Central European Time (CET). At WhiteTech, we empower businesses in the financial ecosystem with cutting-edge white-label and SAAS solutions. Our comprehensive suite of tools is tailored for EMI, PSP, e-commerce, and open banking platforms. With WhiteTech, clients gain access to a platform designed for flexibility, scalability, and seamless integration. Our mission is to help businesses unlock their full potential in a rapidly evolving financial landscape. Whether scaling your PSP, enhancing your EMI services, or diving into open banking, WhiteTech is your partner for innovation and growth. We are a remote-first technology company and welcome applications from candidates across Europe, including the EEA, the UK, Switzerland, and other non-EEA European countries such as Ukraine, Moldova, Georgia, Armenia, Montenegro, Turkey, and the Western Balkans. We also consider applicants from different locations who can work within Central European Time (CET). We are looking for a specialist with deep expertise in SEON (Fraud / Risk) who can operate at the intersection of product, analytics, and quality assurance. This role goes beyond simply working with an antifraud tool - it requires understanding SEON as a core component of the product’s risk decisioning framework. This position is ideal for a candidate who is equally comfortable navigating business processes, system logic, and quality assurance, and who can contribute to antifraud solutions across the entire lifecycle. KEY RESPONSIBILITIES Working with SEON as a core antifraud solution: * Develop a deep understanding of SEON capabilities: signals, scoring, rules, device intelligence, and data enrichment * Contribute to the design and evolution of antifraud solutions * Ensure correct integration and effective use of SEON within the product ANALYSIS, DESIGN, AND PROCESS DEFINITION * Gather, structure, and document business and system requirements * Define and document end-to-end flows, including: * onboarding / signup * authentication / login * payment and payout flows * KYC / KYB / verification processes * sensitive user actions * Break down antifraud logic into: * risk signals * rules and scoring models * decision flows * manual review and case management processes QUALITY ASSURANCE AND TESTING * Validate antifraud logic and scenarios * Test SEON integrations (APIs, webhooks, data flows) * Verify: * scoring accuracy * rule execution * handling of edge cases * Participate in regression and integration testing * Analyze and troubleshoot defects within fraud-related flows PRODUCT OWNERSHIP CONTRIBUTION * Contribute to the antifraud and risk strategy * Balance risk control with user experience * Prioritize initiatives within the fraud/risk domain * Work with key metrics (fraud rate, false positives, approval rate) * Collaborate with cross-functional stakeholders (product, risk, compliance, engineering) INTEGRATIONS AND SYSTEM ARCHITECTURE * Define and oversee integrations with: * SEON * KYC / AML providers * payment systems * other third-party services * Understand and work with: * API contracts * event-driven architectures * data flows ANALYSIS AND OPTIMIZATION * Identify weaknesses in fraud and risk processes * Propose improvements to decision-making logic * Optimize rules and scoring models * Reduce fraud risk while maintaining conversion rates WHAT WILL BE KEY IN THIS ROLE We expect the candidate to: * Have a deep understanding of SEON as a product, not just its API * Understand the full lifecycle of antifraud solutions * Operate effectively across product, analytics, and QA domains * Think системно and manage end-to-end processes * Make independent decisions within the fraud/risk domain * Clearly distinguish between “integrating a provider” and “owning antifraud system effectiveness” REQUIREMENTS * Experience as a QA Engineer, Business Analyst, or Product Owner in fintech, payments, iGaming, or fraud/risk domains * Hands-on experience with SEON (or similar antifraud solutions) * Understanding of: * fraud prevention and risk scoring * API integrations * payment or onboarding business processes * Experience with tools such as Jira, Confluence, or similar NICE TO HAVE * * Experience with KYC / AML providers * Understanding of the payment lifecycle * Experience working with analytics and performance metrics * Technical background OUR RECRUITMENT PROCESS TYPICALLY FOLLOWS THESE STAGES: 1. Application screening 2. Interview Stages (2-3 weeks): * Prescreening call (40 min) * Technical Interview (60 min) * Soft Skills Interview (40 min) 3. Job Offer We offer: * Competitive compensation package (commensurate with your experience) * 19 business days of flexible Paid Time Off (PTO) * Fully remote work with flexible hours (within the CET time zone) from any location of your choice * Values-driven culture with a friendly and supportive work environment * Opportunity to regularly participate in conferences and community events as both a participant and contributor * Matrix organizational structure designed to streamline communication, remove barriers, and promote efficiency Embrace the opportunity to develop your skills in a cutting-edge fintech environment. Please apply now to be part of our dynamic team and make a tangible impact on the future of payments! Let’s build something great together! We offer:  * Competitive compensation package (commensurate with your experience) * 19 business days of flexible Paid Time Off (PTO) * Fully remote work with flexible hours (within the CET time zone) from any location of your choice * Values-driven culture with a friendly and supportive work environment * Opportunity to regularly participate in conferences and community events as both a participant and contributor * Matrix organizational structure designed to streamline communication, remove barriers, and promote efficiency Embrace the opportunity to develop your skills in a cutting-edge fintech environment. Please apply now to be part of our dynamic team and make a tangible impact on the future of payments! Let’s build something great together!

Raisin

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The AFC Operations team is primarily responsible for transaction monitoring and the KYC process, including PEP and sanctions screening. The team ensures that all customer activities comply with applicable AML and regulatory requirements, identifying and escalating suspicious activities where necessary. Working in close collaboration with the Money Laundering Reporting Officer (MLRO), the team plays a key role in safeguarding the organization against financial crime risks. In addition, AFC Operations continuously reviews and improves internal processes to enhance efficiency, data quality and regulatory compliance standards. Your Responsibilities * Alert Management & Investigation: Review complex transaction monitoring alerts and conduct investigations into suspicious activities. You are responsible for the decision-making regarding Suspicious Activity Reports (SARs/Verdachtsmeldungen) and ensure that all filings and documentation meet regulatory requirements. * TM Framework & Detection Logic: You drive the conceptual development and optimisation of the bank's monitoring infrastructure. This involves refining detection scenarios, tuning threshold settings to minimise false positives, and ensuring that our monitoring rules keep pace with evolving criminal typologies. * Operational Monitoring Controls: You execute and oversee comprehensive monitoring activities and internal controls. Your focus is to ensure that the operational output of the TM unit consistently meets the highest quality and regulatory standards. * System Architecture & AFC Project Management: Drive the AFC-side of system deployments and feature updates. You are responsible for the seamless operational transition of new business activities into our monitoring ecosystem, ensuring that scalability and regulatory integrity go hand in hand. * Technical Outsourcing & Audit Management: Oversee AFC-related tool environments and service providers to ensure operational integrity. You act as a key subject matter expert during internal and external audits, facilitating a smooth examination process through diligent preparation and expertise   Your Profile * Academic Background: University degree in Law, Economics, Business Administration, or a related field. * Professional Experience: Extensive experience in Anti-Financial Crime (AFC) within the financial services industry. * Regulatory Expertise: In-depth knowledge of national and international regulatory frameworks (e.g., German GwG, KWG, and EU AML Directives). * Process Excellence: Proven experience in designing, documenting, and optimising AFC processes and frameworks. * Language Skills: Professional proficiency in English and excellent German skills are mandatory * Certifications: Relevant industry certifications, such as CAMS (Certified Anti-Money Laundering Specialist), are considered a plus. Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.