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. For more information on the group, please visit www.creditstar.com.

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.

YOUR POSITION: Compliance Officer.

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:
As part of the group’s Legal & Compliance team you will:

• 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.

 What We're Looking For:

• Master’s degree in Law.
• At least 3 years of experience in a compliance or legal role within the financial sector, preferably with a focus on investment services, banking, or consumer credit.
• Solid understanding of financial sector regulations at both Estonian and European level.
• Experience interpreting complex legislation and regulatory requirements and translating them into clear, practical business guidance.
• Strong communication, presentation, and influencing skills, with the ability to explain compliance topics to different audiences.
• Excellent stakeholder management skills and the ability to build trusted working relationships across the organisation.
• Strong analytical and problem-solving skills, with a structured and solution-oriented approach.
• Ability to prioritise, organise work effectively, and meet deadlines while managing multiple projects to a high standard.
• High ethical standards, sound judgement, and strong attention to detail.
• Excellent written and spoken Estonian and English.

What We Offer

• A senior, high-impact compliance role with genuine end-to-end ownership across AML and broader regulatory compliance.
• Real group-wide influence - a rare opportunity to shape compliance practice across seven markets simultaneously.
• Close collaboration with executive leadership and direct Board-level reporting lines.
• A fast-paced, growing business operating across lending and investment products in multiple European markets.
• Competitive salary and benefits package commensurate with seniority and experience.
• Professional development support, including ongoing regulatory and compliance training.

This job description is intended as a guide to the principal duties and responsibilities of the role. It is not exhaustive and may be subject to amendment as the business evolves.

Gross salary range for this position is €3200- €3800 per month.