Lawyer/AML Specialist

Company Description

Swaper is a marketplace platform in Tallinn that offers opportunities to buy claim rights for loan receivables with an annual earning potential of up to 16%. Since 2016, Swaper has shown significant growth with cumulative investments exceeding 690+M EUR. The platform's Android and iOS apps provide accessible solutions for users with innovative features like Auto-Invest Portfolio, BuyBack, and Loyalty Bonus.

Role Description

This is a full-time hybrid role for a Lawyer/AML Specialist at Swaper located in Tallinn, Estonia. The role involves day-to-day tasks related to legal matters, compliance, and AML (Anti-Money Laundering) regulations. While the role is based in the office, there is flexibility for some remote work.

Responsibilities

• Develop, implement, and maintain AML and Sanctions policies and procedures in accordance with Estonian and international regulatory frameworks.
• Monitor transactions and perform investigations to detect and report unusual or suspicious activities.
• Ensure compliance with Estonian AML and Sanctions laws and guidelines issued by regulatory authorities.
• Provide input for customer due diligence (CDD), enhanced due diligence (EDD) and know-your-customer (KYC) processes.
• Provide training and awareness programs on AML and Sanctions.
• Ensure efficient cooperation with outsourced partners to provide the compliance with local, regional, and international regulations related to financial services.
• Provide legal advice on issues related to financial services regulations, data protection, and consumer rights in Estonia.
• Draft, review, and update legal contracts, agreements, and terms of service to meet legal and regulatory standards.
• Assist in developing internal controls to mitigate legal, regulatory, and financial risks.
• Prepare regular AML, Sanctions and legal compliance reports.

Requirements:

• Bachelor’s degree in Law (mandatory).
• Certification in AML/CFT (Certified Anti-Money Laundering Specialist – CAMS or equivalent) is preferred.
• Master's degree in law or compliance (preferred but not required).
• Minimum 3-5 years of experience in AML and Sanctions compliance and legal advisory, preferably in the financial services or fintech industry.
• Experience with Estonian regulatory bodies such Estonian Financial Supervision and Resolution Authority, or equivalent, is highly desired.
• Proven experience in managing compliance programs and mitigating financial crime risk.
• Solid understanding of financial services regulations and the fintech landscape.
• Familiarity with KYC, CDD, EDD, sanctions screening, and transaction monitoring processes.
• Strong legal drafting and negotiation skills.
• Attention to detail with strong analytical and investigative abilities.
• Excellent communication skills, both written and verbal, with the ability to present complex legal information clearly.
• Problem-solving mindset with the ability to work under pressure and manage multiple priorities.
• Integrity and high ethical standards in handling sensitive and confidential information.
• Fluent in Estonian and English.

What we offer:

• Competitive salary
• Place to learn new things and accomplish career opportunities
• Dedicated and motivated team
• A modern office in the very center of Tallinn
• Food and drinks at the office
• Sport compensation