Job Description

You’ll join Eneba’s Risk and Fraud team, an operations team where everyone owns their goals and drives them forward. We run multiple products with more in the pipeline, and we’re working towards an e-money (EMI) license that will see us operate as a regulated institution.

This is a new role: you own AML risk across our products. When a new product, payment method or commercial request appears, you assess the money laundering exposure, define the controls, and monitor them once live. You report to our Head of Risk & Fraud Operations and have the freedom to build the framework rather than follow a fixed one. You’ll help lay the groundwork for Eneba to operate as a regulated institution. It’s a dynamic environment where new ideas get tested quickly, so there’s always something new to build.

Own product AML risk: Assess our products for money laundering risk and identify where controls are missing or need strengthening
Run intake and sign-off: Define the controls, processes and frameworks needed for existing products and for new ones as they launch
Run investigations: Lead AML investigations and prepare SAR-ready cases, working with Compliance on regulatory reporting.
Screen and review: Carry out sanctions screening, customer due diligence (CDD) and enhanced due diligence (EDD)
Data Analysis: Analyse large volumes of data to find patterns and root causes, and turn the findings into clear recommendations
Prepare for regulation: Help prepare our risk and fraud operation for regulatory requirements, including the EMI licence
Raise the standard. Train colleagues and support on AML topics. Turn root-cause findings into clear recommendations.
Strategy to execution: Set the AML roadmap and stay hands-on in the operational work behind it.

Requirements

3-5 years of experience in AML or financial crime, ideally in a fintech or a bank
Hands-on experience with sanctions screening, CDD and EDD
Experience with regulatory reporting and investigations, and working with regulators or authorities
Strong analytical skills, with a track record of data analysis and root cause analysis
Proven ability to solve complex, specific problems
A high bar for quality, a strong sense of ownership and the drive to work independently
Comfortable creating frameworks and processes rather than only following existing ones
Based in a European or compatible time zone

Nice to have

a recognized AML certification (such as ICA or ACAMS)
SQL knowledge
experience in a fast-moving, results-driven fintech

Company offers

Opportunity to join our Employee Stock Options program.
Opportunity to help scale a unique product.
Various bonus systems: performance-based, referral, additional paid leave, personal learning budget.
Paid volunteering opportunities.
Work location of your choice: office, remote, opportunity to work and travel.
Personal and professional growth at an exponential rate supported by well-defined feedback and promotion processes.