AML / Financial Crime Investigation Expert
Klarna · Columbus, OH
- On site
- Full-time
- $100,000 / year
- Columbus, OH
Job highlights
- Lead AML and financial crime investigations.
- Assess customer behavior and transactions.
- Mitigate risks across Klarna products.
- Collaborate with internal and external partners.
- Contribute to system and risk analysis.
About the role
About the Role
In this position, you will lead and support end-to-end AML and financial crime investigations, assessing customer behavior, transactional activity, and supporting documentation to identify and mitigate risk across Klarna’s products. You will apply expert judgement to complex, high-risk cases, determining when escalation, enhanced due diligence, or regulatory reporting is required. Working closely with internal stakeholders and outsourced partners, you will help maintain strong investigative controls, support transaction monitoring quality, and ensure Klarna’s financial crime framework scales responsibly. You will also contribute to knowledge sharing, system improvements, and emerging risk analysis as Klarna continues to grow across global markets.
Who You Are
- 5+ years of experience in AML or financial crime investigations within fintech, banking, payments, or a similarly regulated environment.
- Strong hands-on experience conducting end-to-end transaction monitoring, event-driven investigations, and complex case escalations.
- Proven ability to assess suspicious activity and draft clear, well-supported Suspicious Activity Reports in line with regulatory expectations.
- Solid understanding of AML and financial crime regulations applicable to the US and/or EU, including sanctions and PEP frameworks.
- Ability to apply sound judgement, critical thinking, and investigative rigor when working independently on high-risk cases.
- Strong written and verbal communication skills in English, with the ability to document and explain investigative decisions clearly.
- Comfort operating in a fast-paced environment with evolving financial crime risks and operational priorities.
Awesome to have
- CAMS, ICA, or equivalent AML certification.
- Experience supporting or overseeing outsourced investigation or transaction monitoring teams.
- Exposure to AML or financial crime risks within crypto, investments, or emerging financial products.
- Familiarity with German AML regulations and professional proficiency in German.
- Experience supporting system testing, tuning, or optimization of transaction monitoring or screening tools.
Equal Opportunity Employer Statement
Klarna is proud to be an equal opportunity employer. We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs. We provide equal employment opportunities to all individuals regardless of race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law. We encourage applications from individuals of all backgrounds and identities. We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances. If you require reasonable accommodation for any part of the application or hiring process, please contact talent.acquisition@klarna.com.
Salary and Benefits
In accordance with applicable law, the salary range for this role is provided in the job posting. The salary offered will be determined by the candidate's location, qualifications, experience, and education. The salary range posted in the job advertisement refers to the base pay. Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.
Key skills/competency
- AML Investigations
- Financial Crime
- Transaction Monitoring
- Suspicious Activity Reports
- Regulatory Compliance
- Risk Mitigation
- Due Diligence
- Case Escalation
- Fintech Regulations
- Investigation Skills
Skills & topics
- AML
- Financial Crime
- Investigation
- Expert
- Klarna
- Fintech
- Payments
- Compliance
- Risk Management
- Transaction Monitoring
How to get hired
- Tailor your CV: Highlight your 5+ years of AML/financial crime experience in fintech or regulated environments. Emphasize transaction monitoring and complex case handling skills.
- Showcase regulatory knowledge: Detail your understanding of US and/or EU AML/financial crime regulations, including sanctions and PEP frameworks.
- Quantify achievements: Provide examples of successfully identifying and mitigating risks, and drafting Suspicious Activity Reports.
- Prepare for behavioral questions: Be ready to discuss your critical thinking, independent work on high-risk cases, and communication abilities.
- Research Klarna: Understand their global growth, diverse products, and commitment to equal opportunity employment.
Technical preparation
Behavioral questions
Frequently asked questions
- What are the key responsibilities for an AML Financial Crime Investigation Expert at Klarna?
- The AML Financial Crime Investigation Expert at Klarna will lead end-to-end AML and financial crime investigations, assess customer behavior and transactions to mitigate risk, and determine escalation or reporting needs for high-risk cases. They will also collaborate with internal teams and external partners to maintain investigative controls and contribute to system improvements and emerging risk analysis.
- What experience is required for the AML Financial Crime Investigation Expert role at Klarna?
- Klarna requires at least 5 years of experience in AML or financial crime investigations within a regulated environment like fintech, banking, or payments. Strong hands-on experience with transaction monitoring, event-driven investigations, and complex case escalations is essential. A solid understanding of US and/or EU AML/financial crime regulations, including sanctions and PEP frameworks, is also necessary.
- Are there any preferred qualifications for this Klarna AML Financial Crime role?
- Yes, it's considered 'awesome to have' certifications like CAMS or ICA, experience supporting outsourced investigation teams, exposure to AML risks in crypto or investments, familiarity with German AML regulations, and experience with transaction monitoring system optimization.
- How does Klarna approach salary and benefits for this position?
- Klarna states that salary is determined by location, qualifications, experience, and education. The posted range refers to base pay, which is part of a total compensation package that may include equity rewards, health and wellness stipends, and comprehensive benefits like life insurance, medical, dental, and vision coverage for employees and their dependents.
- What is Klarna's stance on diversity and equal opportunity for this role?
- Klarna is a proud equal opportunity employer committed to building a diverse workforce. They provide equal employment opportunities to all individuals regardless of various protected characteristics and encourage applications from all backgrounds. They also consider qualified applicants with criminal histories in accordance with applicable laws.
- How can I demonstrate my investigative skills for the AML Financial Crime Investigation Expert role at Klarna?
- To demonstrate your investigative skills, highlight your experience in conducting end-to-end investigations, assessing suspicious activity, and drafting clear, well-supported Suspicious Activity Reports. Emphasize your critical thinking and ability to work independently on complex, high-risk cases during your application and in interviews.