AML Manager

Lightspark is creating the Money Grid, modern, open financial infrastructure that makes payments accessible, affordable, and instant for businesses and users worldwide. We're challenging the status quo, updating the current system, and empowering our partners to build better solutions. Together, we're building the most advanced financial infrastructure, open, instant, and global, inspiring a future where anyone, anywhere can access the full potential of digital money.

We are looking for a hands-on AML Manager to help run the AML/CTF and sanctions framework of Lightspark’s Estonian regulated entity. The role will be responsible for keeping us on top of our AML obligations as the business grows, turning requirements into working processes, controls, checks and record. You will work closely with the Compliance Manager (MLRO), management, and teams across the business, giving practical compliance support that helps the company move forward without taking unnecessary risks.

As AML Manager, you will run the day-to-day side of our AML/CTF and sanctions controls. Your work will cover quality assurance of CDD/EDD, transaction monitoring and screening, oversight of first-line case handling, escalations and suspicious activity reporting, periodic assessments, AML training and the maintenance of our AML policies and procedures. You will also act as deputy to the Compliance Manager (MLRO). This is a second-line role where AML expertise and sound, well-documented judgement matter equally.

WHAT YOU'LL BE DOING

• Support the Compliance Manager (MLRO) in overseeing the AML/CTF and sanctions framework as a second-line function.

• Act as the Compliance Manager’s delegate during absences, including reviewing internal escalations and deciding on suspicious activity reports to the FIU.

• Support and guide the first line in daily operations and oversee the quality of how tasks are resolved.

• Provide quality assurance over CDD/EDD, transaction monitoring and screening controls, including sampling, findings, and tracking corrective actions to closure.

• Conduct periodic analyses and assessments in line with the company’s AML/CFT and sanctions policies.

• Contribute to the AML risk assessment and maintain AML policies and procedures, both within the review cycle and when products, processes or regulation change.

• Organize AML training for staff in line with company policies and regulatory requirements and maintain the training records.

• Design, improve and implement compliance policies, procedures and tools together with the management board and other departments, so that they meet regulatory requirements and fit business needs.

• Work with Legal, Risk, Operations, Product and Finance to build AML/CTF and sanctions requirements into daily operations.