Tink was founded in 2012, and a decade later became part of Visa in 2022. Tink was created with the aim of changing the banking industry for the better. We have built Europe’s most robust open banking platform – with the broadest, deepest connectivity and powerful services that create value out of the financial data. We offer the tools that allow anyone – from big banks and fintechs to startups – to build the future of financial services across Europe. Tink is a payment institution licensed by the Swedish FSA.
How you’ll challenge an industry:
Tink is Europe’s leading open banking platform, allowing customers to initiate payments from any account, at any bank to their own service in a fast and seamless way. It is vital for Tink to be able to take swift strategic decisions that are well-balanced and efficiently take into account all relevant legal risks. Our industry and our operations expand and grow more complex every day and we are in constant need of developing our excellence and processes across the organization.
We are looking for an AML manager - one of the key roles in Tink’s development as a payments company. We believe that it would be an ideal move for a professional with a solid background in anti-money laundering (AML), counter terrorism financing (CTF) and experience in counter financial crime with a drive to continually improve themselves and the organization in which they work.
The AML team’s responsibility is to prevent Tink’s products from being used for criminal activities. The main task in this area is the establishment and continuous enhancement of an AML/CTF and counter financial crime framework, consisting of processes, systems and tools as well as training programs tailored to Tink’s specific needs but also drawing from Visa’s capabilities.
What you will do:
You will lead a small first line AML operations team collaborating closely with stakeholders such as Tink’s commercial and customer support teams and Tink’s second line compliance and risk functions. You will also be part of a broader network of professionals throughout the Visa group, ensuring a wealth of global experience and expertise within counter financial crime measures. For this role you need to be based in Stockholm with a hybrid work set up. The role reports to Tink’s General Counsel.
Lead, develop and be responsible for a small team of AML professionals
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 programme
Support and guide the operations team in processes and decisions regarding for example: on-boarding of complex customers, investigations and reporting of suspicious transactions and PEP/RCA/sanctions investigations.
Work closely with the 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.
What we offer you
Tink offers a fast moving environment with great opportunities for learning and developing (and teaching!) new skills. You will have a chance of becoming part of a supportive and collaborative team that enjoys working together towards a common goal and be part of Tink’s growth and expansion journey together with Visa.
What we look for
At least 5 years of experience working within AML/CTF in an operational, hands on role
Experience from a regulated PSD2 payment institution would be viewed positively
Experience from managing and growing a team
Expertise within core AML/CTF processes such as customer due diligence and onboarding and transaction monitoring
The ability to prioritize, structure and adapt to changes in an entrepreneurial environment
Strong investigative and analytical skills that you can translate into clear and concise reports, recommendations or decisions
High ethical standards and a spotless reputation (background checks will be performed as part of hiring process)
Who we are at Tink
We are a company of developers and engineers – it’s in our DNA to imagine, build and iterate. We were founded with a vision of transforming an industry that lacked competition and momentum. And we have built a company of passionate over-achievers who all believe there is always a better way of doing things.
People from all over Europe – and the world – have joined us on our mission to build the biggest and best open banking platform in Europe.
We're looking forward to your application!
- Finance / Legal / Risk
Tink was founded in 2012, and a decade later became part of Visa in 2022. Tink was created with the aim of changing the banking industry for the better. We have built Europe’s most robust open banking platform – with the broadest, deepest connectivity and powerful services that create value out of the financial data. We offer the tools that allow anyone – from big banks and fintechs to startups – to build the future of financial services across Europe.
Tink’s 500+ employees serve more than 300 banks and fintechs in 18 European markets, out of offices in 13 countries. We power the new world of finance. For more information, visit tink.com.
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