In this position, you will strengthen Klarna’s financial crime controls by providing independent, risk-based oversight of the Anti-Money Laundering framework within Second Line Compliance. You will apply sound regulatory judgement across key AML activities, including review and approval of Suspicious Activity Reports under MLRO delegation, while partnering closely with AML Operations, MLROs, and senior Compliance stakeholders. As Klarna evolves its AML operating model, you will initially contribute hands‑on to critical regulatory activities and progressively shift towards analytical oversight of control design, effectiveness, and outcomes across products and markets. You will help ensure that AML risks are well understood, appropriately mitigated, and clearly evidenced to regulators.
What you will do
Review and approve Suspicious Activity Reports (SARs) under MLRO delegation to ensure regulatory thresholds are met
Review investigations and SAR narratives for quality, completeness, and defensibility
Provide structured feedback to AML investigation teams on investigation quality and SAR narratives
Identify complex or sensitive cases requiring escalation to MLROs
Perform second‑line oversight of AML controls, with a focus on Transaction Monitoring effectiveness
Conduct thematic reviews across SAR outcomes, escalation decisions, and typologies
Assess whether AML risks are adequately covered across products and customer segments
Contribute to AML input for new products, material changes, and control enhancements
Analyse AML metrics and trends to identify control gaps, emerging risks, or degradation
Support governance, documentation, and clear separation of responsibilities across AML teams
Who you are
Support governance, documentation, and clear separation of responsibilities across AML teams
Experience in AML, financial crime, or compliance within a regulated financial institution, such as a bank, fintech, payments company, or equivalent
Strong hands‑on experience with SAR processes, including drafting, review, approval support, or filing, and understanding of applicable regulatory thresholds
Demonstrated understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice
Proven ability to apply independent judgement in complex, sensitive, or ambiguous cases
Experience reviewing the quality, completeness, and defensibility of investigations and regulatory narratives
Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations
Awesome to have
Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations
Experience working in, or closely with, a second line of defence, compliance oversight, quality assurance, or risk function
Exposure to transaction monitoring frameworks, scenario‑based monitoring, or assessment of transaction monitoring effectiveness
Experience supporting MLROs, acting under MLRO delegation, or preparing materials for MLRO decision‑making and escalation
Experience performing thematic reviews, trend analysis, or control effectiveness assessments
Familiarity with EU and US AML regulatory frameworks and supervisory expectations, including FIU processes and relevant regulatory guidelines
Experience contributing to new product risk assessments, regulatory change implementation, or control enhancements
Please include a CV in English
Curious to learn more about Klarna and what it’s like to work here? Explore our career site!
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, color, 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.
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.
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What you will do
Review and approve Suspicious Activity Reports (SARs) under MLRO delegation to ensure regulatory thresholds are met
Review investigations and SAR narratives for quality, completeness, and defensibility
Provide structured feedback to AML investigation teams on investigation quality and SAR narratives
Identify complex or sensitive cases requiring escalation to MLROs
Perform second‑line oversight of AML controls, with a focus on Transaction Monitoring effectiveness
Conduct thematic reviews across SAR outcomes, escalation decisions, and typologies
Assess whether AML risks are adequately covered across products and customer segments
Contribute to AML input for new products, material changes, and control enhancements
Analyse AML metrics and trends to identify control gaps, emerging risks, or degradation
Support governance, documentation, and clear separation of responsibilities across AML teams
Who you are
Support governance, documentation, and clear separation of responsibilities across AML teams
Experience in AML, financial crime, or compliance within a regulated financial institution, such as a bank, fintech, payments company, or equivalent
Strong hands‑on experience with SAR processes, including drafting, review, approval support, or filing, and understanding of applicable regulatory thresholds
Demonstrated understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice
Proven ability to apply independent judgement in complex, sensitive, or ambiguous cases
Experience reviewing the quality, completeness, and defensibility of investigations and regulatory narratives
Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations
Awesome to have
Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations
Experience working in, or closely with, a second line of defence, compliance oversight, quality assurance, or risk function
Exposure to transaction monitoring frameworks, scenario‑based monitoring, or assessment of transaction monitoring effectiveness
Experience supporting MLROs, acting under MLRO delegation, or preparing materials for MLRO decision‑making and escalation
Experience performing thematic reviews, trend analysis, or control effectiveness assessments
Familiarity with EU and US AML regulatory frameworks and supervisory expectations, including FIU processes and relevant regulatory guidelines
Experience contributing to new product risk assessments, regulatory change implementation, or control enhancements
Please include a CV in English
Curious to learn more about Klarna and what it’s like to work here? Explore our career site!
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, color, 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.
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.
#J-18808-Ljbffr