Senior AML Specialist

About Klarna
Klarna was founded in Stockholm, Sweden in 2005. Since then we've changed the banking industry forever. And now we're creating the world's smoothest shopping experience. We serve over 90 million consumers worldwide, and partner with 250,000 merchants – with a new merchant joining us every 8 minutes. Including some of the world's leading brands, such as H&M, ASOS, IKEA, Adidas, Samsung and Lufthansa. Our offices are spread over 17 different markets, hosted by 4000+ employees from 100+ nationalities.
About the role
The Compliance Operations Banking team’s main focus is to prevent Klarna from being used in financial crimes such as money laundering and terrorism financing through operational reviews, monitoring, and investigations of all activity in Klarna’s banking products. As we continue to grow our customer base, our global footprint, products, and channels, as well as our screening functions, Compliance Operations are growing in sophistication and becoming integral in the success of the business. To help lead a world-class first-line defense against financial crimes, we are now looking for a Service Delivery lead Compliance Operations Banking.
What you'll do
Compliance Operations Banking is performing reviews of high-risk customers and segments for all of Klarna’s markets and products (except US). The team identifies, prevents, and monitors high-risk transactions in relation to financial crimes. The focus is Anti-Money Laundering/Counter-Terrorist Financing, first-line of defense - performing compliance-related operational tasks such as;
Daily reviewing of individuals and transactions matched against Politically Exposed Person (PEP) lists as well as various Sanction lists.
Review individuals that are under investigation by law enforcement.
Investigate individuals hit by AML and CTF high-risk scenarios and alarms, including sending and analyzing KYC and EDD questionnaires.
Receive and investigate suspicious transactions, escalated by other internal departments and decide on further escalation processes.
Report suspicious transactions and individuals to the Money Laundering Reporting Officer.
Suggest improvements to monitoring processes, consumer risk rating and review/investigation routines to improve detection.
You will work in a cross-functional team and in close collaboration with stakeholders such as the KYC & AML Monitoring team, the AML & CTF Screening team, the Compliance function, and consumer-facing teams within Customer Services.



What you'll need
Have at least 2 years of experience in a compliance function in relation to AML/CFT operations.
Have proficient knowledge of German language.
Have previous exposure to the German financial markets, and understand the German financial ecosystem.
Are a solution oriented and street smart person with an interest in risk, law proceedings and e-commerce/banking.
Always put great emphasis on quality, details and enjoy a structured way of working.
Are accurate, a true team player and thrive when working in a highly challenging, ever changing environment
Are used to communicating with people cross-functionally



What will make you exceed:
A strong ability to process large sets of information and detect anomalies
A structured and accurate way of working
Good communication skills, both verbal and written
A strong drive and enjoy working in a high paced operational environment

Interested? Great! Apply as soon as possible as we speak with suitable candidates continuously. Questions or want to know more? We offer you an international working environment filled with smart and ambitious colleagues. Your role will make a difference, and you will be a player in a team that has a strong impact on the business.
Klarna is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates. Please refrain from including your picture and age with your application.
Klarna is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates. Please refrain from including your picture and age with your application.