Risk Manager / AML Officer

Location: Location: Hybrid – Helsinki & Remote 

Company: Kvarn Investment Services Oy / Kvarn Capital Oy

Employment Type: Full-time

Apply by: 22.6.2026

Help build the next generation of financial services. At Kvarn X, we combine crypto-assets with traditional finance and modern payment services.

Working in the quickly developing crypto-asset and fintech industries isn’t always easy, but it is rewarding. You’ll take on real responsibility, work on meaningful problems, and have room to grow. So, if you’re a self-starter who values ownership and doing things properly, we’d like to hear from you.

We are a set of affiliated entities authorized to provide crypto-asset services – including custody, trading and transfers – under CASP Authorization, traditional payment services under Payment Institution Authorization, and investment services under Investment Firm Authorization, supervised by the FIN-FSA. Strict AML compliance, safeguarding of customer funds and strong internal controls are central to how we operate.

As we continue to expand our services, we are looking to strengthen our compliance capabilities by recruiting an experienced Risk Manager / AML Officer to join our first line of defense team (1LoD).

The Risk Manager / AML Officer will be responsible for implementing, operating and continuously improving the AML/KYC controls and processes across the Kvarn affiliated entities, with a particular focus on AML/CFT and KYC compliance, and for ensuring adherence to FIN-FSA guidelines and supervisory requirements in close cooperation with the second line of defense (CCO / compliance function). This role requires a deep understanding of regulatory standards and supervisory expectations, together with knowledge around market best practices for AML and KYC processes in fintech and effective communication with key stakeholders across the Kvarn affiliated entities. The role will report to the Chief Executive Officer (CEO).

• Implementing, operating and continuously improving the AML/KYC controls and processes across the Kvarn affiliated entities, covering customer due diligence and AML/CFT compliance, including risk assessments, day-to-day controls, and management of vendors providing the necessary technical capabilities.
• Building the compliance bridge between crypto-assets and traditional finance, including the AML/KYC treatment of stablecoins and other crypto-assets, and developing on-chain monitoring and transaction monitoring system (TMS) capabilities that combine blockchain analytics with traditional payment and account monitoring.
• Translating the compliance function’s policies and regulatory requirements into effective operational procedures and controls, and staying current on AML/CFT and KYC developments across the EU/EEA to keep day-to-day processes up to date.
• Contributing to the drafting, maintenance and regular updating of the affiliated entities’ AML, KYC and compliance guidance, and providing guidance and training to operational teams.
• Maintaining full oversight of the AML/KYC risk landscape, including customer due diligence and transaction monitoring processes, and ensuring effective detection, investigation and escalation of suspicious activity throughout the customer lifecycle.
• Supporting in the preparation of regular reports to Senior Management on the status of AML and KYC compliance, controls, risks, and performance metrics.
• Acting as the primary escalation point and bridge between business, operational teams and the second line of defense (CCO / compliance function), fostering strong internal cooperation and coordinating responses during AML and KYC related incidents.

• Bachelor’s or Master’s degree in Business, Law, Finance or a related field.
• 3+ years in AML/KYC, compliance or financial crime prevention within financial services, ideally in a Payment or E-Money Institution, Investment Firm, crypto industry or marketplace/payment platform, with proven expertise in AML/CFT and KYC control implementation, process design and regulatory engagement.
• Strong understanding of AML/CFT, KYC and sanctions regulations, EU/EEA regulatory frameworks (e.g., PSD2, MiCAR and MiFID II), the Finnish AML Act and best practices for AML and KYC.
• Experience developing technical capabilities and procedures for customer due diligence, enhanced due diligence, transaction monitoring and on-chain monitoring.
• Strong analytical, organizational and communication skills. Able to work both independently and as part of a team, and to keep stakeholders aligned.
• Experience working with operations, product, or engineering teams to launch new products or enter new markets is a plus.
• Proficiency with database technologies and transaction monitoring, trade surveillance and blockchain analytics tools.
• Understanding of the eIDAS identification standard and experience with identity verification and electronic identification solutions, as well as sanctions and PEP screening tools.
• Real-world experience and ability to use and work with modern AI tools.

Language

• English: full professional proficiency
• Finnish: full professional proficiency

• Experience or interest in technologies such as XML schemas and Python.
• Interest or experience in blockchain, crypto, and the fintech space.
• Hands-on on-chain experience, such as blockchain analytics, on-chain monitoring and tracing tools, or working with stablecoins and other crypto-assets.

You’ll work on real problems and help build services that people rely on to manage their finances.

• Modern tech stack – We work with a current technology stack and build systems designed for the digital economy.
• Meaningful Impact – Your work directly shapes how safely and reliably our customers can move between crypto-assets and traditional finance.
• Shared Vision – You’ll work alongside experienced colleagues who care about building things properly.
• Valuing culture – Outcome-driven, low-hierarchy and built for trust and ownership.

• If you are interested in taking ownership and working in a growing, capable team, apply via the LinkedIn Apply button below!
• We encourage you to include a motivational letter (optional) to highlight your unique strengths and interest in the role.
• The successful candidate’s starting pay will be determined based on factors such as the candidate’s skills, experience and qualifications. The starting pay may vary if the candidate does not fully meet the expectations outlined in this posting.

Please state your salary expectations and preferred starting date in the application.

Submit your CV and application via the LinkedIn Apply button by 22.6.2026.

We look forward to hearing from you.