wamo

THE ROLE The Senior Financial Accountant (Finland) takes full ownership of end-to-end in-house accounting for the Finnish entity by performing daily bookkeeping, leading closes, and managing statutory filings to ensure accurate, compliant, and scalable financial records that support the business as it transitions into its primary operating entity. KEY RESPONSIBILITIES Core Accounting & Bookkeeping * Own end-to-end in-house accounting operations for the Finnish entity. * Perform and review daily bookkeeping, postings, and comprehensive reconciliations. * Act as the primary accounting owner, working directly with the CFO to ensure financial integrity. * Maintain meticulous attention to detail in all financial records to support a high-growth environment. Financial Close & Statutory Reporting * Lead the month-end and year-end close processes with a hands-on approach. * Prepare statutory financial statements in strict accordance with Finnish GAAP (FAS). * Prepare and submit VAT returns, local tax filings, and all required statutory reports. * Ensure all accounting activities remain compliant with Finnish local tax regulations and standards. Process Scaling & Internal Controls * Establish and improve accounting processes and controls as the business scales. * Identify gaps in existing workflows and implement hands-on problem-solving to resolve operational friction. * Drive the transition of the Finnish entity into the primary operating hub through scalable accounting structures. * Maintain comfort with ambiguity while building evolving processes in a fast-moving fintech environment. Audit & External Coordination * Coordinate with external accountants and auditors while retaining full internal ownership of the results. * Act as the lead point of contact for audit inquiries related to the Finnish entity. * Ensure all documentation and schedules are audit-ready and meet the standards of external stakeholders. PROFILE & COMPETENCES * Hands-on Expertise: Typically 6+ years of relevant in-house experience, ideally within fintech, with a proven track record of personally owning end-to-end accounting. * Finnish Compliance: Deep knowledge of Finnish GAAP (FAS), local tax regulations, and VAT filing requirements. * Systems Proficiency: Comfortable working hands-on in lean systems such as Xero and Netvisor (SAP or similar platforms also relevant), with a meticulous eye for manual cross-checking and reconciliation. * Ownership Mindset: A strong desire to be operational and "in the weeds" rather than managing from a distance, with the flexibility to thrive in an environment where structure is still being built. * Growth Alongside Us: This role is focused on the position at hand, with future progression shaped by the company's growth. * Language Skills: Fluent in Finnish and English. * Education: Degree in Accounting, Finance or Economics

ABOUT THE ROLE We are looking for a Senior AML Specialist to join our Compliance team in Finland and help strengthen wamo’s AML/CFT capabilities. Reporting to the Chief Compliance Officer, you’ll play a hands-on role across the AML lifecycle - from digital customer onboarding and risk assessment through transaction monitoring, investigations, suspicious transaction reporting and sanctions screening. This is not a purely policy-focused role. You’ll work directly with cases, systems and controls while also helping us continuously improve how our AML framework operates in practice. You’ll contribute to our AML/CFT risk assessment, monitoring controls, policies and regulatory readiness, working closely with the CCO and teams across the business. We’re looking for someone who combines strong AML judgement with a practical, analytical mindset and is comfortable operating in a fast-moving digital financial environment. WHAT YOU'LL DO * Review and risk-assess customers onboarded through fully digital channels, including CRA, CDD, EDD, identity verification, PEP assessments and high-risk jurisdiction considerations * Investigate and resolve transaction monitoring alerts across payments and transfers, identifying unusual or potentially suspicious activity * Contribute to the review, calibration and improvement of transaction monitoring rules and controls, including reducing false positives without compromising detection effectiveness * Investigate suspicious activity and prepare and submit suspicious transaction reports to the Finnish Financial Intelligence Unit (FIU) in line with internal procedures * Support the CCO in maintaining and updating the company’s AML/CFT risk assessment * Maintain clear, accurate and defensible case files, including CDD evidence, investigation findings, risk rationale, monitoring decisions and escalation records * Oversee day-to-day sanctions and PEP screening activities and investigate or escalate potential matches * Work closely with relevant teams on cases where AML and fraud risks overlap, including mule accounts, account takeover and other suspicious payment activity * Support the CCO with FIN-FSA interactions, regulatory information requests, inspections and related remediation activities * Support internal and external audits relating to AML/CFT * Contribute to the development and continuous improvement of AML/CFT policies, procedures and controls * Support the development and delivery of AML/CFT training and awareness across the business * Keep up to date with relevant Finnish and EU AML/CFT regulatory developments and support their implementation within the business WHAT WE'RE LOOKING FOR * 5+ years of hands-on AML/CFT experience within banking, payments, e-money or another regulated financial-services environment * Strong practical experience with CDD and EDD, including higher-risk customers, PEPs and complex customer cases * Experience with digital or remote customer onboarding and the associated AML/CFT risks * Hands-on experience investigating transaction monitoring alerts and identifying unusual or suspicious activity * Experience working with transaction monitoring systems, including contributing to rule review, tuning or optimisation * Experience investigating suspicious activity and preparing SARs/STRs or equivalent regulatory reports * Practical experience with sanctions and PEP screening, including investigation and escalation of potential matches * Experience supporting or contributing to an AML/CFT risk assessment * Experience investigating cases where AML and fraud risks overlap * Strong understanding of the risk-based approach to AML/CFT and relevant Finnish and EU AML/CFT requirements * Strong analytical and investigative skills, with the ability to make sound risk-based decisions * Ability to clearly document investigations, decisions and risk rationale * Fluent Finnish and English NICE TO HAVE * Experience working within a fintech, payments or e-money institution * Experience working specifically with the Finnish AML/CFT regulatory framework * Previous exposure to FIN-FSA or another EU financial regulator, including inspections, audits, remediation or information requests * CAMS/ACAMS, ICA or equivalent AML qualification * Swedish language skills