Compliance Officer

Compliance Officer

Creditstar Group is a rapidly growing international consumer finance company, headquartered in Tallinn, Estonia and operating in multiple European markets.

At the core, we are a financial technology company that uses automated processes, algorithms and data analysis to make financial instruments easily available to a population of more than 175 million people in our target markets. We are a team of ambitious professionals who value innovation, effective efficiency, high growth, and high performance. Our vision is to build and deliver digital banking products of the future. If you want to be part of this, here is your chance.

About the Role

We are looking for an experienced, hands-on Compliance Officer to take end-to-end ownership of our compliance framework across our group lending and investment operations. Based in Tallinn, Estonia, this is a broad senior compliance role - covering both financial crime (AML/CFT) and wider regulatory compliance across operational jurisdictions in Europe.

The Compliance Officer will be the Group's primary compliance authority, responsible for ensuring all business activities meet applicable regulations and legislation across every market we operate in. That means identifying regulatory requirements, developing and maintaining policies and procedures, monitoring adherence, resolving deficiencies, and proactively keeping the business ahead of regulatory change.

The right candidate will be a practitioner - equally comfortable drafting a compliance policy, working through a transaction monitoring alert, managing a regulatory inspection, or advising a product team on the compliance implications of a new feature. They will bring deep multi-jurisdiction knowledge and the confidence to operate with authority across a complex, internationally distributed business.

Key Responsibilities:

• Provide in-house compliance support to the group's business areas by identifying, assessing, and managing compliance risks across consumer credit and other services activities.
• Ensure adherence to applicable laws, regulations, regulatory guidance, and internal policies and procedures, including requirements relating to AML/CTF, sanctions, and fraud prevention.
• Monitor legislative and regulatory developments, assess their impact on the business, and support the implementation of required changes across products, services, processes, and controls.
• Conduct compliance reviews and control activities to assess the effectiveness of internal procedures, identify gaps, and recommend practical improvements.
• Support the development, maintenance, and enhancement of the group's various policies and procedures, including those relating to AML/CTF, risk assessments, customer due diligence processes, transaction monitoring controls, and escalation frameworks.
• Advise business stakeholders on compliance and AML-related matters, including customer onboarding, ongoing monitoring, higher-risk customers, suspicious activity indicators, sanctions screening, and regulatory reporting obligations.
• Raise compliance awareness across the organisation by delivering training to employees, management teams, and board members on existing and new regulations applicable to the group's business, compliance expectations, AML/CTF obligations, and emerging financial crime risks.
• Oversee and contribute to regulatory and compliance projects within assigned areas, ensuring timely delivery and alignment with legal, regulatory, and internal requirements.
• Plan, execute, and document compliance monitoring and control activities, including follow-up on identified issues and remediation actions.
• Promote a strong culture of compliance, integrity, and risk awareness across the group.