At a Glance
- Tasks: Lead AML investigations and assess customer behaviour to mitigate financial crime risks.
- Company: Join Klarna, a leading fintech company committed to innovation and diversity.
- Benefits: Competitive salary, equity rewards, health benefits, and wellness stipends.
- Other info: Dynamic work environment with opportunities for professional development and global exposure.
- Why this job: Make a real impact in the fight against financial crime while growing your career.
- Qualifications: 5+ years in AML investigations with strong analytical and communication skills.
The predicted salary is between 60000 - 80000 £ per year.
In this position, you will lead and support end-to-end AML and financial crime investigations, assessing customer behaviour, transactional activity, and supporting documentation to identify and mitigate risk across Klarna’s products. You will apply expert judgement to complex, high-risk cases, determining when escalation, enhanced due diligence, or regulatory reporting is required. Working closely with internal stakeholders and outsourced partners, you will help maintain strong investigative controls, support transaction monitoring quality, and ensure Klarna’s financial crime framework scales responsibly. You will also contribute to knowledge sharing, system improvements, and emerging risk analysis as Klarna continues to grow across global markets.
Who You Are
- 5+ years of experience in AML or financial crime investigations within fintech, banking, payments, or a similarly regulated environment
- Strong hands-on experience conducting end-to-end transaction monitoring, event-driven investigations, and complex case escalations
- Proven ability to assess suspicious activity and draft clear, well-supported Suspicious Activity Reports in line with regulatory expectations
- Solid understanding of AML and financial crime regulations applicable to the US and/or EU, including sanctions and PEP frameworks
- Ability to apply sound judgement, critical thinking, and investigative rigor when working independently on high-risk cases
- Strong written and verbal communication skills in English, with the ability to document and explain investigative decisions clearly
- Comfort operating in a fast-paced environment with evolving financial crime risks and operational priorities
Awesome to have
- CAMS, ICA, or equivalent AML certification
- Experience supporting or overseeing outsourced investigation or transaction monitoring teams
- Exposure to AML or financial crime risks within crypto, investments, or emerging financial products
- Familiarity with German AML regulations and professional proficiency in German
- Experience supporting system testing, tuning, or optimization of transaction monitoring or screening tools
In accordance with applicable law, the salary range for this role is provided in the job posting. The salary offered will be determined by the candidate's location, qualifications, experience, and education. The salary range posted in the job advertisement refers to the base pay. Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.
Klarna is proud to be an equal opportunity employer. We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs. We provide equal employment opportunities to all individuals regardless of race, colour, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law. We encourage applications from individuals of all backgrounds and identities. We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances. If you require reasonable accommodation for any part of the application or hiring process, please contact talent.acquisition@klarna.com.
AML / Financial Crime Investigation Expert employer: Klarna
Klarna is an exceptional employer that prioritises employee growth and development within a dynamic and fast-paced environment. With a strong commitment to diversity and inclusion, we offer comprehensive benefits including health and wellness stipends, equity rewards, and robust support for work-life balance. Our collaborative culture encourages knowledge sharing and innovation, making it an ideal place for professionals passionate about tackling financial crime in a global context.
StudySmarter Expert Advice🤫
We think this is how you could land AML / Financial Crime Investigation Expert
✨Tip Number 1
Network like a pro! Reach out to your connections in the fintech and banking sectors. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings at Klarna!
✨Tip Number 2
Prepare for interviews by brushing up on your AML knowledge. Familiarise yourself with current regulations and trends in financial crime. Practice articulating your experience with complex case escalations and transaction monitoring – this will show you’re ready to hit the ground running!
✨Tip Number 3
Showcase your problem-solving skills! During interviews, share specific examples of how you've tackled high-risk cases. Highlight your critical thinking and judgement – these are key traits that Klarna is looking for in an AML expert.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining Klarna and being part of our mission to combat financial crime.
We think you need these skills to ace AML / Financial Crime Investigation Expert
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the AML and financial crime investigation role. Highlight your relevant experience, especially those 5+ years in fintech or banking, and showcase your skills in transaction monitoring and case escalations.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about tackling financial crime and how your expertise aligns with Klarna's mission. Be sure to mention any certifications like CAMS or ICA if you have them.
Showcase Your Communication Skills:Since strong written communication is key for this role, make sure your application is clear and concise. Use straightforward language to describe your investigative decisions and experiences, as this will reflect your ability to document findings effectively.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets the attention it deserves. Plus, you’ll find all the details you need about the role and our company culture there!
How to prepare for a job interview at Klarna
✨Know Your AML Regulations
Make sure you brush up on the AML and financial crime regulations relevant to both the US and EU. Being able to discuss these regulations confidently will show that you understand the landscape and can apply your knowledge to real-world scenarios.
✨Prepare for Complex Case Discussions
Expect to dive deep into your experience with end-to-end investigations and complex case escalations. Be ready to share specific examples of how you've assessed suspicious activity and drafted Suspicious Activity Reports, highlighting your critical thinking and judgement skills.
✨Showcase Your Communication Skills
Since strong written and verbal communication is key in this role, practice explaining your investigative decisions clearly and concisely. You might even want to prepare a mock report or presentation to demonstrate your ability to communicate complex information effectively.
✨Familiarise Yourself with Emerging Risks
Stay updated on the latest trends in financial crime, especially within fintech and crypto. Being knowledgeable about emerging risks will not only impress your interviewers but also show that you're proactive and ready to contribute to system improvements and risk analysis.
