About Us
With over 85 million global active users and 2 million transactions per day, Klarna is on the way to becoming the world’s favorite way to shop. To help us get there, we’re assembling an unparalleled global talent team—accelerating individual careers, and disrupting entire industries. We’re looking for people ready to achieve the extraordinary and embrace our bold ambitions as we shape the future of payments and fintech. Will you join us?
What you will do
As an AML Subject Matter Expert at Klarna, you will play a pivotal role in shaping and scaling our U.S. first-line AML and Sanctions functions. Embedded within a global compliance team, you’ll partner closely with Product, Engineering, and Operations to simplify regulatory complexities into scalable technical solutions.
Serve as the primary Sanctions and AML/CTF subject matter expert for Klarna’s U.S. operations.
Provide actionable, risk-based advice across transaction monitoring, screening, and KYC obligations.
Draft, maintain, and manage AML/CTF and Sanctions policies, procedures, and workflows, including version control.
Translate U.S. regulatory obligations (e.g., BSA, OFAC) into technical requirements through collaboration with product and technical teams.
Lead cross-functional regulatory impact assessments and support U.S. regulatory change management.
Design and test compliance systems and participate in system enhancement discussions.
Facilitate compliance training and awareness programs for front-line and operational teams.
Lead or contribute to internal audits, regulatory reviews, risk assessments, and strategic compliance projects.
Who you are
5+ years of experience advising on AML/CTF or Sanctions compliance within financial services, with a focus on Money Services Businesses (MSBs) or banks in the U.S.
Deep understanding of U.S. AML laws and Sanctions regulations (e.g., BSA, OFAC).
Proven ability to draft and operationalize AML policies and procedures.
Skilled at interpreting regulatory obligations into practical, risk-based compliance controls.
Strong analytical and critical thinking skills; adept at judgment in ambiguous scenarios.
Exceptional communication and stakeholder engagement skills, especially with technical and product teams.
Comfortable managing multiple priorities in a fast-paced, high-growth environment.
Awesome to have
Experience as an AML investigator or in filing Suspicious Activity Reports (SARs).
Exposure to state-level money transmitter laws or U.S. Export Control regulations.
Background in legal advisory or regulatory consulting related to financial crime.
Familiarity with sanctions screening tools and rule testing methodologies.
Experience developing and delivering compliance training programs.
Closing
To ensure fairness and maintain global market competitiveness, each role in a specific location has a set base salary. During the recruitment process, we will assess your skills and experience to determine which role is the best fit for you.
Additionally, you may qualify for our Contribution-Based Reward (CBR) program, which recognizes and rewards significant contributions to our success.
Please include a CV in English.
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