AML Analyst – Enhanced Due Diligence

About the role

As an AML Analyst you will safeguard Mintos by performing Enhanced Due Diligence (EDD) reviews of high‑risk investors across Europe and other jurisdictions, ensuring compliance with Latvian AML/CTF requirements and the company’s risk appetite.

Key responsibilities

• Conduct Enhanced Due Diligence reviews of high‑risk investors.
• Produce clear, structured, evidence‑based EDD case narratives, including source‑of‑funds and source‑of‑wealth analysis.
• Assess financial documentation, beneficial ownership structures, corporate registry data and adverse media across multiple jurisdictions.
• Make well‑reasoned, risk‑based decisions and document conclusions to withstand regulatory scrutiny.
• Communicate with investors and internal stakeholders to obtain required due‑diligence information.
• Support the development and maintenance of EDD procedures, work instructions and internal quality standards.
• Contribute ideas and hands‑on input to AI‑supported tools and process improvements.
• Stay current on AML/CTF regulations, typologies and best practices relevant to investor due diligence.
• Promote a strong AML compliance culture across the organisation.

Required profile

• At least 2 years of AML compliance experience, with a strong focus on KYC of legal entities.
• Proven ability to analyse complex multi‑jurisdictional structures, UBO determination and varied source‑of‑funds documentation.
• Excellent written and verbal English.
• Solid understanding of AML/CTF regulations and risk‑based approach principles in a European context.
• Experience with Latvian AML regulations is an advantage.
• Experience working with international customers and reviewing documentation from various jurisdictions.
• Ability to work independently, manage your own caseload and prioritise effectively under pressure.
• Problem‑solving mindset and confidence to make and stand behind risk‑based decisions.
• Practical experience with AI tools or genuine curiosity about AI support for compliance analysis.

What we offer

• Competitive salary and stock options.
• Flexible work arrangements – remote, office and up to three months per year working from another country.
• Generous vacation policy beyond the legal minimum.
• Annual €1,200 learning budget for professional and personal development.
• Well‑equipped office with parking, showers, kitchen, snacks, massage chair and nap room.
• Recognition for fairness and equality in compensation and representation.
• International team of 200+ people from 17+ countries.