Senior Compliance officer (AML)

Company Description

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Job Description

We are seeking a Senior Compliance Officer to Tink (delivering open banking solutions as a part of Visa) who wants to help continue the development of our compliance program and function, primarily in regard to countering financial crime (incl. AML/CTF). As a Senior Compliance Officer with focus on countering financial crime at Tink, you will work closely with colleagues in many different teams (and locations), making it essential that you are business-oriented and able to provide practical and actionable guidance and advice in a user-friendly way. 

You will join our second line of defense compliance team and closely work with the first line AML/CTF function, risk control, legal, and other Tink staff. As Tink is part of Visa group, you'll access global expertise in countering financial crime. This position is based in Stockholm with a hybrid work setup. The role reports to Tink’s Head of Compliance.  

What you will do: 

You will manage and develop Tink's countering financial crime compliance program as part of the second line of defense Compliance function. Although countering financial crime will be your main focus, you will support the Compliance team in managing other regulated areas like payments, consumer protection, business conduct, and governance and ethics. Additionally, you will collaborate with colleagues across the Tink regulated group and Visa group.  

Your specific responsibilities will include but not be limited to: 

• Take on MLRO responsibilities in accordance with external regulations (delegated from Head of Compliance) 

• Ensure that adequate countering financial crime (incl. AML/CTF) policies and procedures are put in place, kept up to date and implemented effectively on an ongoing basis. 

• Monitoring and controlling whether the measures, policies and procedures implemented comply with our AML/CTF obligations, and continuously identifying, documenting and proposing measures to manage ML/TF risks. 

• As part of the Compliance function, support in the reporting to Tink’s board, management and committees, including supporting the board and management with the development and implementation of the financial crime program, both locally in Europe and globally. 

• Annually developing and implementing a risk-based plan for the compliance function's work with AML/CTF. 

• Supporting the first line of defense AML/CTF function and the AML/CTF risk owner with support and advice. 

• Responsible for ongoing contacts regarding AML/CTF related issues with financial supervisory authorities and FIUs in Sweden and in the other markets where we operate. 

• Participating in the development of processes for product development and other strategic projects. 

• Developing and holding AML/CTF-related training for the board, management and Tink staff. 

• Monitoring new regulations and regulatory trends regarding the AML/CTF regulatory framework and analyzing the impact on Tink and its licensed subsidiaries. 

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

• Previous working experience from a control function in the financial industry (compliance-, risk or internal audit function).
• At least 5 years of experience working with AML/CTF in the financial industry.
• Relevant academic degree from a reputable university or college.
• Experience from a regulated payment institution would be viewed positively.
• The ability to prioritize, structure and adapt to changes in an entrepreneurial environment.
• Strong investigative and analytical skills that you can translate into clear and concise reports, recommendations or decisions.
• Strong communicator in spoken and written English and Swedish.
• High ethical standards and a spotless reputation (background checks will be performed as part of the hiring process).

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.