🌍 About the Company

The client is a licensed payment institution providing online payment solutions to businesses internationally. As its merchant portfolio grows, the company is strengthening its compliance function to support safe, scalable onboarding. The business operates in the FinTech and payments sector, where strong AML controls, reliable due diligence, and practical risk judgement are essential. This is a good opportunity for a compliance professional who wants hands-on exposure to merchant onboarding, corporate structures, and cross-border payments.

💼 About the Role

As a KYC/KYB Specialist, you will verify individual and corporate clients in line with AML/CTF regulations, internal risk policies, and customer due diligence standards. You will help protect the company from financial crime, fraud, and reputational risk while supporting a smooth onboarding experience for legitimate merchants. The role involves close work with compliance colleagues and escalation of suspicious or high-risk cases to the MLRO.

🔍 Responsibilities

• Conduct KYC checks on directors, shareholders, UBOs, authorised signatories, and other relevant individuals;

• Perform KYB checks on corporate clients, including registration documents, ownership structures, licences, and business activity;

• Run sanctions, PEP, and adverse media screening as part of onboarding and ongoing monitoring;

• Assess client risk and assign risk ratings based on the company’s AML risk methodology;

• Carry out Enhanced Due Diligence for high-risk clients, complex ownership structures, and sensitive business models;

• Review source of funds and source of wealth documentation to support risk-based decisions;

• Identify red flags, document findings clearly, and escalate suspicious cases to the MLRO;

• Maintain accurate, complete, and up-to-date customer due diligence files;

• Support periodic and event-driven KYC/KYB reviews for existing merchants.

🎓 Requirements

• 1+ years of experience in KYC/KYB, AML compliance, customer due diligence, or a similar role;

• Understanding of AML/CTF regulations, UBO identification, and corporate ownership structures;

• Experience using sanctions, PEP, or adverse media screening tools;

• Strong analytical skills and close attention to detail;

• Ability to assess risk and make clear, well-documented decisions;

• Fluent English, both written and spoken;

• Confidence working with high volumes of documents, cases, and sensitive information;

• High integrity, discretion, and a responsible approach to compliance work.

Nice to Have

• Experience in a payment institution, FinTech, banking, EMI, or financial services environment;

• Familiarity with merchant onboarding or payments-related risk assessment;

• Additional languages relevant to international client onboarding;

• Exposure to Enhanced Due Diligence, source of funds, or source of wealth reviews.

🤝 Key Competencies

• Sound risk judgement and the ability to spot inconsistencies in documentation;

• Clear written communication when documenting decisions and escalation rationale;

• Ownership mindset with the discipline to follow procedures accurately;

• Collaborative approach when working with compliance, onboarding, and management teams;

• Calm, professional handling of sensitive or high-risk cases.

✨ The Employer Offers

• Work in a licensed FinTech company operating in the international payments sector;

• Practical exposure to AML, KYC, KYB, EDD, and merchant risk topics;

• Professional development and compliance training opportunities;

• Friendly, international team environment;

• Hybrid work setup in Vilnius;

• Opportunity to grow with an expanding compliance function.

If you want to build your AML and due diligence career in a regulated payments business, this role offers real ownership, practical learning, and meaningful impact from day one.