Institutional Due Diligence Specialist, EU

The role

You will own the end-to-end due diligence process for institutional customers, partners, and respondent institutions. This includes onboarding, periodic reviews, and monitoring transaction activity to ensure compliance.

What you will do

• Owning the end-to-end due diligence process for institutional customers
• Reviewing onboarding applications and making risk-based decisions
• Running periodic and event-driven reassessments
• Conducting Enhanced Due Diligence (EDD) on higher-risk relationships
• Monitoring customer behavior and transaction activity to identify unusual or suspicious patterns
• Performing sanctions, PEP, and adverse media screening
• Escalating compliance issues, risks, and findings to the Compliance Manager
• Helping build, improve, and implement internal compliance procedures

Required qualifications

• 5+ years of experience in AML/CTF compliance, risk management, or due diligence
• Deep knowledge of KYB, CDD, EDD processes for legal entities and institutional clients
• Hands-on experience with transaction monitoring, sanctions screening, and PEP/adverse media checks
• Familiarity with SumSub, ComplyAdvantage, or similar AML screening tools
• Strong analytical and investigative skills
• High attention to detail
• Solid understanding of EU and Estonian AML/CTF regulatory frameworks
• Clear communicator
• Ability to manage multiple priorities in a fast-paced environment
• Full working proficiency in English and Estonian
• Bachelor’s degree in Law, Business, Finance, Economics, or a related field, or equivalent practical experience

Nice to have

• Experience in a multinational, high-growth company

Benefits

• Annual performance bonus
• Equity

About the company

Lightspark is creating the Money Grid, modern, open financial infrastructure that makes payments accessible, affordable, and instant for businesses and users worldwide.