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About the Role
As a US Screening Adjudication Expert, you will own Klarna's sanctions, PEP, and adverse media screening operations for the US market, with direct responsibility for obligations under Section 314(a) of the USA PATRIOT Act. You will manage outsourced vendor operations, handle escalations, and personally manage complex cases, ensuring adherence to Klarna's standards and regulatory requirements.
Responsibilities
- Own the operational health of sanctions, PEP, and adverse media screening globally and for the US market.
- Serve as the primary point of contact for the outsourced vendor and Klarna's US partner bank.
- Conduct alert reviews, PEP, sanctions, and adverse media assessments to maintain end-to-end expertise.
- Review and assess sanctions screening alerts against Klarna's internal standards using sound name-matching methodology and contextual analysis.
- Coordinate with Klarna's US partner bank on sanctions/PEP-related processes, information sharing, and operational alignment.
- Conduct complex, in-house investigations for sensitive cases and support blocking, freezing, or reporting actions.
- Identify inefficiencies and implement improvements in screening processes, leveraging AI and automation.
- Explore, test, and implement AI and automation solutions to improve screening throughput and decision consistency.
- Own and maintain up-to-date SOPs for all screening processes, ensuring alignment with legal requirements and internal standards.
- Track and report on screening performance against SLA targets, flagging risks and deviations.
- Stay current on US and international regulatory developments across screening disciplines, AML/CTF, and adverse media best practices.
- Perform four-eyes review of 314(a) submissions, verifying accuracy, completeness, and FinCEN compliance.
- Monitor execution against mandatory regulatory timelines for 314(a) submissions.
- Take ownership of complex or ambiguous 314(a) cases requiring deeper investigation.
- Escalate any risk of deadline breach or quality gap to Compliance and Legal immediately.
Requirements
- A minimum of 5 years of hands-on experience in US sanctions screening, PEP, or adverse media investigations within a fintech, bank, or regulated financial institution.
- Demonstrable breadth across at least two of the three screening disciplines (sanctions, PEP, adverse media), with a track record of quickly building expertise in new areas.
- Demonstrable knowledge of OFAC regulations, US sanctions frameworks, and the operational implications for a payments business.
- Familiarity with Section 314(a) of the USA PATRIOT Act and FinCEN information-sharing obligations; hands-on 314(a) execution experience strongly preferred.
- Strong knowledge of EU, UN, and UK sanctions regimes, AML/CTF regulatory requirements, and customer lifecycle risk frameworks is an asset.
- Genuine curiosity about AI and automation, hands-on experience using or implementing AI-assisted tools in a compliance or operational context, or a clear track record of proactively adopting technology to solve real problems.
- Exceptional energy, drive, and agency; a clear trajectory and the desire to accelerate it.
- Proven ability to drive meaningful change; experience leading or materially contributing to process improvements.
- Fast learner who absorbs new tools, regulatory developments, and process changes at pace.
- Comfortable working in an environment that evolves quickly.
- Experience working within or alongside a partner bank or regulated financial institution is an advantage.
- Familiarity with screening and case management tools such as World-Check, LexisNexis, Fircosoft, or equivalent, including name-matching logic.
- Highly organised with the ability to manage competing regulatory deadlines without compromising accuracy.
- Detail-oriented under pressure.
- Strong written communication skills and a rigorous approach to audit-trail documentation.
- Self-starter who takes ownership without waiting to be prompted, and who energises others around improvement.
- Experience supporting audit or regulatory examinations is an advantage.
- A relevant certification such as CGSS, CAMS-FCI, CAMS, or equivalent is a plus.
Skills
- US sanctions screening
- PEP investigations
- Adverse media investigations
- OFAC regulations
- US sanctions frameworks
- Section 314(a) of the USA PATRIOT Act
- FinCEN information-sharing obligations
- EU sanctions regimes
- UN sanctions regimes
- UK sanctions regimes
- AML/CTF regulatory requirements
- Customer lifecycle risk frameworks
- AI and automation in compliance
- Screening and case management tools (World-Check, LexisNexis, Fircosoft)
- Name-matching logic
- Process improvement
- Regulatory compliance
- Written communication
- Audit-trail documentation
Location
- US
Work Type
- Full-time
Experience Level
- Senior-level expertise
- 5 years of hands-on experience
Salary/Compensations
- The salary offered will be determined by the candidate's location, qualifications, experience, and education.
- The salary range posted in the job advertisement refers to the base pay.
- Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.
Benefits
- Equity rewards
- Monthly stipends for health and wellness
- Life insurance
- Medical coverage
- Dental coverage
- Vision coverage for you and your dependents
About the Company
- Klarna is proud to be an equal opportunity employer.
- We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs.
Equal Opportunity
- We provide equal employment opportunities to all individuals regardless of race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law.
- We encourage applications from individuals of all backgrounds and identities.
- We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances.
- If you require reasonable accommodation for any part of the application or hiring process, please contact talent.acquisition@klarna.com.