
Institutional Due Diligence Specialist, EU
What you need
- 5+ yrs of experience in AML/CTF compliance or due diligence
- Deep knowledge of CDD, EDD, and KYB processes for legal entities
- Hands-on experience with transaction monitoring, sanctions, and PEP screening
- Full working proficiency in English and Estonian
- Bachelor’s degree in Law, Business, Finance, or Economics
What you'll do
- Owning end-to-end due diligence for institutional customers
- Reviewing onboarding applications and making risk-based decisions
- Running periodic and event-driven reassessments and KYB updates
- Conducting Enhanced Due Diligence (EDD) on higher-risk relationships
- Monitoring customer behavior to identify unusual transaction patterns
Lightspark is creating the Money Grid, modern, open financial infrastructure that makes payments accessible, affordable, and instant for businesses and users worldwide. We're challenging the status quo, updating the current system, and empowering our partners to build better solutions. Together, we're building the most advanced financial infrastructure, open, instant, and global, inspiring a future where anyone, anywhere can access the full potential of digital money.
We are looking for an Institutional Due Diligence Specialist to join our EU Compliance team. Working in the institutional due diligence team, you’ll own due diligence for the legal entities, partners, and respondent institutions we work with — deciding who we onboard, keeping their risk profiles current, and spotting unusual activity early. You’ll play a critical role in keeping Lightspark safe and compliant as we grow, and you’ll help shape the processes we use to do it.
WHAT YOU’LL BE DOING:
Owning the end-to-end due diligence process for institutional customers — legal entities (KYB), partners, and respondent institutions — from onboarding through periodic reviews
Reviewing onboarding applications and making risk-based decisions to approve or reject customers
Running periodic and event-driven reassessments, including ongoing KYB data updates
Conducting Enhanced Due Diligence (EDD) on higher-risk relationships
Monitoring customer behavior and transaction activity to identify unusual or suspicious patterns, and gathering additional information or documentation where needed
Performing sanctions, PEP, and adverse media screening
Escalating compliance issues, risks, and findings to the Compliance Manager in a timely, structured way
Helping build, improve, and implement our internal compliance procedures and best practices as we scale
WHAT WE’RE LOOKING FOR:
5+ years of experience in AML/CTF compliance, risk management, or due diligence, ideally in financial services, fintech, or payments
Deep knowledge of CDD, EDD, and KYB processes for legal entities and institutional clients
Hands-on experience with transaction monitoring, sanctions screening, and PEP/adverse media checks
Familiarity with SumSub, ComplyAdvantage, or similar AML screening tools
Strong analytical and investigative skills, with sound, well-documented judgment
High attention to detail and a solid understanding of EU and Estonian AML/CTF regulatory frameworks
Clear communicator with a strong commitment to ethical standards
Ability to manage multiple priorities in a fast-paced environment without compromising accuracy
Full working proficiency in English and Estonian — this role reviews Estonian-language corporate and regulatory documentation and communicates with Estonian authorities and counterparties
Bachelor’s degree in Law, Business, Finance, Economics, or a related field, or equivalent practical experience. We appreciate that some of the best talent comes from non-traditional backgrounds
Experience in a multinational, high-growth company is a plus
On-site 5 days, Full time, permanent
COMPENSATION:
The gross monthly base salary range for this role is €40,810 – €47,908. The final offer will depend on experience and skills, and is determined using objective, gender-neutral criteria. You will also be eligible for an annual performance bonus and equity.
Lightspark is an equal opportunity employer. In line with the Estonian Employment Contracts Act, Equal Treatment Act, and Gender Equality Act, we do not discriminate on the basis of sex, gender, ethnic origin, race, colour, nationality, origin, language, religion or beliefs, political opinion, age, disability, sexual orientation, marital status, family-related duties, social status, membership of an employee association or representation of employee interests, or any other legally protected characteristic.
Lightspark is on a mission to build the future of open, instant, and global financial infrastructure making payments accessible and affordable for everyone, everywhere. We're committed to creating a more inclusive and diverse workplace to reflect the customers we serve. We welcome interest from individuals of all backgrounds and levels of experience who share our mission. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or other applicable legally protected characteristics.
We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the State of California Fair Chance Initiative for Hiring.
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About Lightspark
The world’s financial system is overdue for a reinvention. Lightspark bridges the gap between legacy rails and the future of digital money, offering a neutral, real-time network that serves over 5 billion people worldwide. Whether you are a digital bank, a global marketplace, or a creator platform, Lightspark’s suite of tools—including Connect, UMA, and Spark—simplifies global payouts, treasury, and on/off-ramps without the need to manage fragmented liquidity.
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