AML Compliance Oversight Specialist 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. 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. 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. 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. 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.
