Junior Risk Analyst

🌎 Location: Hybrid in Estonia or remote in Spain💰 Compensation: 2,000 - 2,500 EUR gross monthly. 24,000 - 30,000 EUR gross annual.💡About the role:We're looking for a Junior Risk Analyst to join Xolo's group Risk function and operate the first-line controls on our onboarding and monitoring queues — to procedure and to evidenced quality.Xolo is on a mission to help freelancers do their business across the EU — this will bring challenges that will constantly change and evolve as we figure out best ways to support our clients. You will verify who our clients are, screen them, and review how their accounts are used, escalating anything that doesn't fit our risk profile to your Risk Lead. No prior AML experience is needed for the role, as we train on site, but accuracy, consistency and sound judgement on when to escalate are essential.You'll be part of a growing Risk function, with new analysts joining across onboarding and monitoring and dedicated Risk Leads to supervise, coach and review your work. There is a clear career path ahead with progression assessed on evidenced performance rather than time served, and structured training at every step.✍️ As a Junior Risk Analyst at Xolo, you will: Verify client identity and screen clients against sanctions, PEP and high-risk listsWork an onboarding or alert queue based on our internal procedures and have the ability to identify inefficienciesCarry out customer due diligence and ongoing due diligence, including information requests to clientsClose routine clearances and no-action alerts within procedure, and keep a complete record of each decisionEscalate suspicion, procedural deviations and high-risk or PEP outcomes to your Risk LeadTake part in structured training in GDPR, AML/CFT, typologies, transaction monitoring and sanctions, and in quarterly cross-training🧩 What makes you a great fit?Have a bachelor's degree or higher; economics, finance, accounting, law, or a related field. If you're in the final year of your studies, you're welcome to apply too,Work accurately under volume, and have the judgement to escalate rather than resolve aloneAre comfortable working to a written procedure, with every decision documented and defensible on reviewAre confident with numbers: you can read a bank statement or an invoice trail and see when turnover, payments and declared activity don't add upThink logically: you separate fact from assumption, follow the evidence step by step, and reach a conclusion you can explain in writingWrite clear, concise case notes in English that another analyst could pick up and act onBonus: strong spreadsheet skills, or a record in numerical or logical reasoning, such as statistics, data analysis or problem-solving tests💭 Why Xolo?We invest in your well-being: Choose between health insurance or a sports membership, enjoy a one-time home office setup bonus, and receive a monthly remote work allowance. Plus, you'll be part of our annual company summer event in Estonia — a chance to connect, recharge, and have fun togetherA team of Mavericks: We aspire to challenge the norm by encouraging bold thinking and embracing the unconventional. As a member of our team, you'll have the freedom to take risks, explore new ideas, and challenge the status quoWe run like Clockwork: While we champion innovation, we also believe in operational excellence. Our processes are designed to be smart, efficient, and finely tunedOur Big-hearted nature: You'll work alongside mission-driven individuals who not only bring brilliance to the table but also lead with empathy. We believe that great work is built on strong relationships, and we're always ready to help, listen, and grow together🚀 About Xolo:At Xolo, we believe solopreneurs deserve better. We've spent the last decade simplifying entrepreneurship - removing bureaucracy, automating admin, and enabling thousands of people across the globe to build and run their businesses on their own terms.Our pioneering products are designed for freelancers, consultants, and microentrepreneurs who want to focus on their craft - not the paperwork. With more than 100 team members globally, we're building the best possible version of solopreneurship.📝 Xolo interview process:Our interview process is designed to ensure a great fit for both you and the company. It typically includes a screening call, an interview with the hiring manager, and a final stage where you'll meet the team.