MLRO (m/f/d)

About Ivy

Money, at Internet Speed. There’s no reason why sending money across the globe should feel different than sending an email. Still, businesses struggle with high fees and T+2 settlement times. 

There’s an opportunity to change this. Over 60 geographies worldwide are rolling out real-time payment rails. Stablecoins are emerging as a regulated interoperability asset with the ability to connect these local rails. Ivy is the connective tissue between these new infrastructure paradigms. We believe this is the chance to fundamentally change the way money moves and create a new foundation for global trade. 

We are certain that if we get that right, Ivy is going to be Europe’s first 1T$ company.

Today, we are powering several of the world’s largest global businesses - helping them move money faster and at a lower cost.  

We are a team of ex-founders, early employees at unicorns, and top-tier talent from fintech and banking.

We are backed by the world’s best fintech investors:

• Valar - Peter Thiel and the Valar team have been trying to build a global instant payment network since PayPal times.

• Creandum - Previously invested in fintechs like Klarna, Trade Republic,, Pleo, iZettle

• 10+ unicorn founders

Build and maintain a best-in-class compliance program that ensures AML/CTF compliance while supporting Ivy’s rapid growth and licensing ambitions, that includes policies and procedures. Support internal escalation reviews reducing manual workload and take over AML operations as well as taking ownership of the Transaction Monitoring system.

• Serve as the designated MLRO for Ivy Pay Oy

• Own the AML/CTF framework, including AML policies, TM rules, risk assessments, and customer profiling and fraud prevention

• Handle alerts, escalations, and SAR/STR submissions to the Financial Intelligence Unit

• Review and sign off on high-risk customer onboarding together with the Compliance Officer

• Own and optimise transaction monitoring systems

• Conduct internal AML training and maintain AML audit trails

• Act as primary contact for AML-related supervisory inquiries or inspections

• Deliver reports to the board on AML risk posture and case activity

🔍 Experience & Expertise

• Minimum 4 years experience AML within a regulated financial institution.

• Deep knowledge of AML regulations, including Finnish AML Law (444/2017) and PSD2 requirements.

• Prior experience as an MLRO or Senior AML Positions in a PI, EMI, or similar financial services firm.

• Strong understanding of risk-based approaches to KYB/CDD and transaction monitoring.

🌍 Language & Location

• Fluent in Finnish and English (both written and spoken).

• Must be based in Finland.

🛠️Preferred Skills

• Strong analytical skills and attention to detail.

• Excellent communication skills to engage with stakeholders.

• Effective project management skills to drive compliance initiatives.

What we offer

• Join a Dream Team: We focus on building a team of exceptional people who grow fast, take on big challenges, and inspire each other to deliver at the highest level.

• No Bullshit: Output over input, decisions over discussions, customer value over internal policies. We believe in big outcomes - not titles or hierarchies.

• Real Participation: Employees are shareholders. Every permanent employee participates in our equity program.