AML/Compliance Specialist for Fintech Company

Senior AML / MLRO / Compliance & Banking Onboarding Specialist – Long-Term Position

We are a growing international fintech company operating across payments, digital assets, wallets, on/off-ramp solutions, virtual banking, and financial infrastructure.

We are looking for a highly experienced AML / MLRO / Compliance & Banking Onboarding Specialist to join our team on a long-term basis.

This is not a one-time consulting project. We need someone who can become part of our team and take ownership of our compliance documentation and onboarding processes with banks, EMIs, payment institutions, exchanges, PSPs, and other regulated financial providers worldwide.

Main Responsibilities

You will be responsible for:

Managing KYB and corporate onboarding applications from start to final approval.
Reviewing onboarding questionnaires and preparing accurate, professional responses.
Understanding what banks and regulated financial institutions expect from fintech and digital-asset businesses.
Handling compliance follow-up questions and additional information requests.
Reviewing and improving our AML/KYC/KYB policies and compliance documentation.
Identifying missing documents, policies, procedures, or information before applications are submitted.
Preparing Source of Funds / Source of Wealth, business model, transaction flow, customer flow, and operational explanations where required.
Preparing transaction-flow diagrams and explanations of fiat/crypto flows.
Assisting with risk assessments, customer acceptance policies, sanctions/PEP procedures, EDD, transaction monitoring, and related compliance documentation.
Coordinating directly with our management team throughout the onboarding process.
Following every application actively until approval or a definitive outcome.
Helping us build a professional compliance package that can be adapted for future banking and payment-provider applications.
Experience Required

We are specifically looking for someone with several years of hands-on experience in AML, MLRO, banking compliance, fintech, payments, EMI/PI, crypto/VASP/CASP, or financial-institution onboarding.

Strong preference will be given to candidates who have previously handled successful onboarding with regulated banks, EMIs, payment institutions, exchanges, acquiring/payment providers, or financial infrastructure providers such as ClearBank or similar institutions.

You should understand complex structures involving:

Fiat payments | Virtual accounts/IBANs | Wallets | Crypto | Stablecoins | On/Off-Ramp | OTC | Cross-border payments | Payment orchestration | B2B/B2C transaction flows

We need someone who understands the questions being asked by compliance departments and, importantly, knows how to provide accurate, compliant and commercially clear answers without misrepresenting the business.

Working Relationship

This is intended to become a long-term position within our team.

We are prepared to offer:

A fixed/basic compensation arrangement.
Additional success bonuses for completed/approved onboardings.
Ongoing work across multiple banking and payment-provider applications.
Potential expansion of the role as our financial infrastructure grows.

You must have sufficient availability to work with us during European business hours and be able to respond promptly when banks or providers request additional information.

IMPORTANT – Before Applying

Please include:

Your CV/resume.
Your compliance/AML background and years of experience.
Relevant portfolio or examples of previous work.
Examples of banks, EMIs, PSPs, exchanges, or other regulated financial institutions you have successfully onboarded clients with.
Your experience specifically with fintech, payments and/or crypto businesses.
Your current availability and expected compensation.

Applications without a CV and relevant experience/portfolio will not be considered.

We are not looking for a junior freelancer or someone who only writes AML templates. We're looking for a senior, hands-on professional with real-world banking and financial-institution onboarding experience who can take ownership of the process through approval.

If you have the relevant experience and are available for a serious long-term engagement, please apply with the information requested above.