Financial Crime Intelligence: Investigations Expert

Klarna•Columbus, OH

9h•$77,539 - $110,884

About The Position

You will be part of Klarna's Financial Crime Intelligence team — an in-house team of experts spanning the full spectrum of case complexity, from routine reviews to the most complex, high-risk investigations. Whether your background is in fast-moving fintech environments or the deeper regulatory rigor of traditional banking, you'll bring that experience to bear on real, high-stakes cases, applying expert judgement to determine when escalation, enhanced due diligence, or regulatory reporting is required. Your work spans three layers: Complex investigations — you'll own the cases too nuanced, layered, or novel for standard processes to resolve, and document why, helping the team build a shared understanding of where our remit begins. Intelligence — you'll spot emerging typologies, translate signals into actionable insight, and help the team stay ahead of new fraud and financial crime patterns rather than just reacting to them. Enforcement — you'll help turn that intelligence into action: influencing transaction monitoring configuration, closing coverage gaps, and ensuring what investigations uncover actually changes the detection infrastructure, not just the individual case outcome. Working closely with internal stakeholders, you will help maintain strong investigative controls, support transaction monitoring quality, and ensure Klarna's financial crime framework scales responsibly as Klarna continues to grow across global markets.

Requirements

5+ years of experience in AML or financial crime investigations within fintech, banking, payments, law enforcement, or a regulatory/investigative body.
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.
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.
Preventative mindset; intelligence leads and investigations inform; think about raising the floor for the whole system, not just closing the ticket.
Treat every case as a data point; ask what's broken in the system, not just what happened in this one case; motivated by insight, not just outcomes.
Think beyond the case in front of you; comfortable zooming out to spot connections, patterns, or systemic gaps.
Willingness to share insights and typologies with the team and stakeholders.
Comfortable with ambiguity and complex judgment calls; willing to make and defend a reasoned call rather than waiting for certainty.

Nice To Haves

Experience across both fintech and traditional banking.
CAMS, ICA, or equivalent AML certification.
Experience supporting or overseeing outsourced investigation or transaction monitoring teams.
Exposure to a range of product types (e.g., lending, deposits, credit, crypto, investments).
AML regulatory reporting experience in the EU/UK.
Additional languages (German, Swedish, and/or French).
Experience tuning, testing, or optimizing transaction monitoring/screening tools.
Experience translating investigation-led insights into control or monitoring rule design.
Genuine enthusiasm for AI-powered tooling in an investigative or compliance context; comfortable adopting new tools and using AI-assisted analysis.

Responsibilities

Own complex, nuanced, layered, or novel cases that are beyond standard processes.
Document case resolutions to build a shared understanding of the team's remit.
Identify emerging typologies and translate signals into actionable insights.
Help the team proactively address new fraud and financial crime patterns.
Influence transaction monitoring configuration.
Close coverage gaps in financial crime detection.
Ensure investigation findings lead to changes in detection infrastructure.
Maintain strong investigative controls.
Support transaction monitoring quality.
Ensure the financial crime framework scales responsibly with company growth.