About Ivy
Ivy is a global API for instant bank payments. We enable businesses to accept instant bank payments - taking cards & wallets out of online transactions and reducing cost by up to 10x. Over 60 geographies worldwide are rolling out instant bank payment infrastructure right now. Ivy harmonises these regional bank payment schemes, bringing them to a single point of access.
Build and maintain a best-in-class compliance program that ensures AML/CTF compliance while supporting Ivy's rapid growth and licensing ambitions, that includes policies and procedures. Support internal escalation reviews reducing manual workload and take over AML operations as well as taking ownership of the Transaction Monitoring system,
Your Responsibilities
Experience & Expertise
Ivy is a global API for instant bank payments. We enable businesses to accept instant bank payments - taking cards & wallets out of online transactions and reducing cost by up to 10x. Over 60 geographies worldwide are rolling out instant bank payment infrastructure right now. Ivy harmonises these regional bank payment schemes, bringing them to a single point of access.
- Our current team consists of payment experts coming from companies like Klarna, Trade Republic, Revolut, TrueLayer, Goldman Sachs, Morgan Stanley, McKinsey, BCG, Trustly.
- We have offices in Berlin, Munich and Helsinki
- We are working with many of Europe's fastest-growing retailers and innovators (e.g. hood.de, mytheresa.com, roadsurfer.com).
- Up to today, we have raised $30M of funding from Valar Ventures and Creandum, renowned backers of fintech successes like Wise, Klarna, Qonto, N26, and Trade Republic. Founders and industry executives from Adyen, Pleo, N26, Mollie, and Plaid complete our stellar investor lineup
Build and maintain a best-in-class compliance program that ensures AML/CTF compliance while supporting Ivy's rapid growth and licensing ambitions, that includes policies and procedures. Support internal escalation reviews reducing manual workload and take over AML operations as well as taking ownership of the Transaction Monitoring system,
Your Responsibilities
- Oversee and enhance Ivy's AML/CTF compliance framework, including policies, procedures, and risk assessments.
- Act as the MLRO, ensuring effective transaction monitoring, SAR reporting, and AML governance.
- Provide regulatory oversight for onboarding processes, ensuring robust KYB/CDD checks for all customer segments.
- Owner of the internal compliance training, ensuring that first-line teams operate within the defined compliance framework.
- Lead regulatory reporting and audits, ensuring timely and accurate submissions to authorities.
Experience & Expertise
- Minimum 5 years of experience in AML/Compliance within a regulated financial institution.
- In-depth knowledge of AML regulations, including Finnish AML Law (444/2017) and PSD2 requirements.
- Prior experience as an MLRO or Senior Compliance Officer in a PI, EMI, or similar financial services firm.
- Strong understanding of risk-based approaches to KYB/CDD and transaction monitoring.
- Fluent in Finnish and English (both written and spoken).
- Must be based in Finland.
- Strong analytical skills and attention to detail.
- Excellent communication skills to engage with stakeholders.
- Effective project management skills to drive compliance initiatives.
- Make a real impact: Build a global technology winner challenging Visa & Mastercard. Shape the experience for our customers and us alike.
- On-sites and off-sites: We conduct company-wide 4x off/on-sites per year.
- The tools you need: We provide the best equipment for you to excel at your work.
- Upside: Every employee receives stock options.
- Flexible working hours: We value focus time. Encouraging everyone to minimise fixed meetings and leverage asynchronous communication.
- €1,000 for personal growth: Grow with your annual personal development budget.