Onboarding Specialist (AML and Compliance)

Location: Riga, Latvia (Hybrid)Employment: Full-timeCompany Description Pay Circle Group GmbH is a Swiss financial intermediary affiliated with VQF.

Our business focuses on payment solutions for corporate clients, including virtual IBANs, fiat-to-crypto and crypto-to-fiat conversion, and fiat and crypto payment services.We are looking for a hands-on AML & Client Onboarding Officer to support and develop our day-to-day AML/CFT operations as part of our second line of defence.Role Description Conduct KYC/CDD/EDD reviews of corporate clients, assessing business activities, ownership structures, jurisdictions, risk profiles, and source of funds/wealth.Request and review additional information and supporting documentation from clients.Document onboarding decisions, risk assessments, and their rationale in accordance with internal procedures.Review transaction monitoring alerts, investigate unusual activity, and support the tuning of monitoring scenarios.Support crypto transaction monitoring (KYT) and Travel Rule compliance using the company's selected providers.Prepare suspicious activity reports for MLRO review and submission to MROS, where applicable.Maintain and improve AML/CFT policies, procedures, and operational controls.Contribute to business-wide and customer risk assessments.Maintain accurate, complete, and audit-ready records in line with applicable Swiss AML requirements and VQF documentation standards.Qualifications At least 2 years of AML/financial crime experience in banking, payments, EMI/PSP, or crypto-related businesses.Practical experience with KYC/CDD/EDD, transaction monitoring, and sanctions/PEP screening.Experience working with corporate and B2B clients.Familiarity with crypto-related compliance, including KYT and Travel Rule requirements, is a strong advantage.ACAMS, ICA, or an equivalent AML qualification, or currently working towards one.Strong written and spoken English; Russian is an advantage.Ability to work independently, take ownership of tasks, and operate effectively in a hybrid environment.Nice to HaveExperience with a Swiss SRO-supervised or VQF-affiliated financial intermediary.Familiarity with AML and blockchain analytics tools such as ComplyAdvantage or Chainalysis.Previous experience in banking or an EMI/PSP before moving into fintech or crypto.Think you’d be a great fit for the world of fintech, payments, and crypto? We’d love to hear from you.Send your CV to ak@transferio.com with the subject line “Fintech People”.