Money Laundering Reporting Officer (MLRO)

About ESTO

Founded in 2017, we are a fast-growing fintech company on a mission to make shopping and financial decisions effortless. By combining smart technology with customer-first thinking, we enable people to pay flexibly and businesses to grow faster.

As a team, we value ambition, ownership, and constant improvement. We move fast, think big, and build solutions that make a real impact on everyday lives.

About the role:

ESTO is scaling AML/CFT compliance across the Baltics, and we're looking for a Group MLRO to own it end-to-end — from governance and risk assessment to regulator relationships and team-wide training.

You'll set the standard for how ESTO manages financial crime risk across Estonia, Latvia and Lithuania: building the group's AML/CFT and sanctions framework, driving transaction monitoring and CDD/EDD standards, and acting as the direct link between the business, the Management Boards and the FIUs.

This is a build-it-yourself role: you'll have real authority, direct access to leadership, and the mandate to shape processes from the ground up rather than maintain someone else's system.

What You’ll Do :

• Own group-wide AML/CFT and sanctions governance, policies and controls.
• Maintain group ML/TF risk assessments across countries, products, channels and customers.
• Set group CDD/EDD standards - onboarding, beneficial ownership, source of funds, periodic review.
• Design and oversee the group transaction monitoring framework.
• Own suspicious activity escalation and FIU reporting policy.
• Oversee sanctions screening, PEP and adverse media controls.
• Report internally to the Group CEO/Management Boards and externally to EE/LV/LT supervisors and FIUs.
• Act as an independent AML/CFT control function with direct escalation authority to leadership and supervisors.
• Coordinate audits and supervisory inspections; monitor ongoing AML/CFT compliance.
• Track regulatory change - especially AMLR/AMLD6 (July 2027) - and drive implementation.
• Build and own the group-wide AML/CFT training programme, including delivery, tracking and management reporting.

What We Expect :

• Master's degree in law, finance, economics, business administration or equivalent.
• 5+ years in AML/CFT or financial crime compliance at a supervised financial institution or advisory practice.
• Hands-on experience across risk assessment, CDD/EDD, transaction monitoring, sanctions/PEP screening and FIU reporting.
• Direct experience with supervisory engagement - inspections, information requests, audits, remediation.
• Solid command of national and EU AML/CFT frameworks and guidelines.
• Meets fit-and-proper requirements for a senior AML/CFT function; MLRO/FIU contact person experience in a Baltic jurisdiction strongly preferred.
• Comfortable using GenAI tools (Claude, ChatGPT, etc.) to boost compliance work quality and efficiency.
• Fluent in Estonian and English.
• Consumer/SME lending or tech-driven financial services background is a plus.
• Strong ownership mindset - able to build and implement processes from scratch and see them through.
• Confident communicator who can challenge, influence and drive change across all levels.

Why You'll Love Working Here

• 28 days annual leave + public holidays + your birthday off, always
• Hybrid work with flexible hours
• Paid sick leave + 3 wellbeing days
• Modern, pet-friendly office in the heart of Tallinn
• Fully stocked kitchen: snacks, fruit & drinks
• Monthly Stebby allowance for sports & wellness
• Collaborative, multicultural team
• Regular events & offsites
• Room to bring ideas and make real impact

🌍 Equal Opportunity Employer We value diversity and inclusion, and we're committed to a workplace where everyone feels welcome, has equal opportunities, and is treated fairly.