AML Manager, Tink

About Us
Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.

Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.

Job Description

Tink, a Visa solution, is Europe's leading open banking platform, enabling banks, fintechs, and merchants to build smarter financial services through account aggregation, payment initiation, data enrichment, and risk insights.

The Tink Payments & Platform team drives the commercialisation of Tink's open banking products across the UK&I market — partnering with some of the most innovative banks, fintechs, merchants, and PSPs in the region.

In this role you will coordinate and oversee first-line AML operations team collaborating closely with internal stakeholders such as Tink’s commercial- & customer support teams, product, senior management, legal, as well as having close customer contact.

• Act as the first line of defence for new partners and customers

• Analyse and provide guidance to the team regarding customer applications, risk-based recommendations, including PEP, Sanctions, and Adverse Media checks  

• Analysis of customer behaviour and transaction patterns  

• Suggest and take the lead on improvements to the different processes and procedures, and system enhancements  

• Lead the collaboration with cross-functional teams on day-to-day tasks as well as on projects 

• Build on and enhance the existing AML/CTF framework at Tink  

• Develop and maintain internal documentation (processes and procedures) in line with Tink’s AML program 

• Work closely with MLRO to escalate suspicious transactions to the relevant national authorities.  

• Suggest improvements to the monitoring processes, the on-boarding process, consumer risk rating process and review routines to improve detection.  

• Be the go-to-person when it comes to financial crime related questions from the organization. 

• Prepare and submit internal and external regular reports, metrics and KPIs.

• Coordinate answer to internal/external audit for AML Operations team.

• Participate and provide input for AML risk assessment.

This is a hybrid position with the expectation being 3 days per week in the Stockholm office.

Qualifications

• Extensive experience working with AML/CTF in an operational, hands-on role.
• Experience from a regulated payment institution. 
• The ability to prioritize, structure and adapt to changes in an entrepreneurial environment. 
• Expertise within core AML/CTF processes such as customer due diligence and onboarding and transaction screening and monitoring. 
• Strong investigative and analytical skills that you can translate into clear and concise reports, recommendations or decisions. 
• Strong communicator in verbal and written English and Swedish. 
• Relevant academic degree. 
• High ethical standards and integrity.

Visa is an EEO Employer

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.