Senior AML Analyst

Millions of people across Europe are looking for better ways to build long-term wealth. We're building the platform that makes it possible. Currently we are on a journey obtain a banking license from the European Central Bank (ECB) that will open new possibilities and help us build even more trust, which is key to long-term wealth building.

If you’re excited about making investing more accessible, we'd love to hear from you.

As a Senior AML Analyst, you will safeguard Mintos by conducting thorough Enhanced Due Diligence reviews on investors - natural and legal persons - across Europe and other jurisdictions, in line with Latvian AML/CTF requirements. You will assess risk, analyse source of funds and wealth, and make well-reasoned, evidence-based decisions that determine whether investors fall within the Mintos risk appetite. You will suggest strategies for efficient and consistent analysis, balance your day-to-day caseload alongside ad hoc projects, and stay current on the latest AML/CTF trends and regulatory developments.

You will:

• Conduct Enhanced Due Diligence (EDD) reviews on natural and legal persons, with a focus on complex, high-risk, and escalated cases.
• Produce clear, structured, and evidence-based EDD case narratives, including source of funds and source of wealth analysis.
• Assess financial documentation, beneficial ownership structures, corporate registries, and adverse media across multiple jurisdictions.
• Make well-reasoned risk-based decisions and document conclusions in a manner that withstands 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.
• Stay current on AML/CTF regulations, typologies, and best practices relevant to investor due diligence.
• Contribute to a strong AML compliance culture across the organisation.

• 4–5 years of experience in AML compliance, with a strong focus on EDD, KYC, or financial investigations in a financial institution or fintech.
• Demonstrated ability to analyse complex cases involving multi-jurisdictional structures, UBO determination, and varied source of funds documentation.
• Excellent written and verbal communication skills in English -you will be assessed on your ability to produce concise, professional, and precise EDD narratives.
• Solid understanding of AML/CTF regulations and risk-based approach principles in a European regulatory context.
• Ability to work independently, manage your own caseload, and prioritise effectively under pressure.
• Problem-solving mindset with the confidence to make and stand behind risk-based decisions.

Nice to have

• Previous experience working with Latvian AML regulations would be an advantage.
• Experience working with international customers and reviewing documentation from various jurisdictions is an advantage.

• Competitive salary and stock options. Your experience and contribution matter, and we reflect that in fair compensation. You’ll also receive equity so you can share in the value you help create.
• Flexibility that fits real life. We understand how important it is to stay connected with colleagues while having the opportunities to work remotely. Come to the office to collaborate and be productive side by side, work from home when you need to, and spend up to three months each year working from another country.
• Generous vacation policy. Rest and recovery are essential. We don’t limit vacation to the minimum required by law. Take the time you need to recharge and come back refreshed.
• Learning and growth. An annual €1,200 learning budget to support your professional and personal growth. Whether you want to explore something new or deepen your expertise, we’ll support you along the way.
• Very well-equipped office. Comfortable environment matters. When in the office, enjoy the parking, showers, kitchen with snacks and drinks, massage chair, nap room and others.
• Proud to be recognized for fairness Mintos was recognized by Figure Baltic Advisory for fairness and equality in compensation and representation, achieving 3rd place in 2025.
• International team of 180+ people from 18+ countries Join a diverse team where different perspectives and experiences are valued. We work across Europe, share ideas openly, and collaborate to solve meaningful challenges together.