Head of AML

We are xpate, a Riga-born fintech on a mission to build an adaptive payment and smart banking infrastructure to unify the fragmented payments industry. Your role at xpate: Safeguard our compliance framework: Supervise xpate's AML/CTPF/sanctions risk policy, making sure our internal controls are always ahead of regulatory demands. Keep us in line with the latest regulations: Monitor the AML/CTPF/sanctions regulatory landscape in Latvia and Europe and adapt our systems to the latest changes. Train and empower our people:

Develop and deliver yearly AML/CTPF/sanctions training, ensuring every employee knows how to stay compliant and spot risks. Guide with transparency: Report regularly to the Board on xpate's risk profile, control systems, and ongoing improvements. Close the gaps: Continuously review and refine AML/CTPF/sanctions policies and procedures so they're effective, practical, and always up to date. Act with vigilance: Review suspicious activity reports, escalate when necessary, and ensure the company responds swiftly and effectively to risks. Support the team: Provide clear advice and day-to-day support to employees so compliance is second nature. Strengthen our ecosystem:

Ensure xpate has the people, capital, and tech to stay ahead of emerging risks. You'll work hand in hand with: The board&senior leadership to keep compliance at the heart of strategy. Risk&compliance teams to ensure business growth aligns with AML/CTPF/sanctions requirements. External regulators and auditors to ensure xpate's control system stands up to the highest scrutiny. We’re ready to meet you, if…You have 3+ years of experience in a similar role. You combine sharp regulatory knowledge with a practical mindset to build systems that work.

You're experienced in AML/CTPF/sanctions supervision and confident in managing compliance at scale. You're proactive in spotting risks before they become problems. You can translate complex regulations into clear, actionable steps for for everybody across the organisation. You thrive on responsibility and lead with authority and clarity. What working at xpate looks like: A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker. Hybrid work schedule, work wherever you feel comfortable. Competitive monthly gross compensation starting from €6,500, depending on experience. Apple hardware and modern work tools to support your workflow.

Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off. Private health insurance and wellness benefits. A modern, fully equipped office in Riga city center with chill areas, snack bars, and meeting spaces. Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem. Why join xpate?Were building the financial backbone of the future where payments move freely and businesses thrive without barriers. If you want real impact, freedom to innovate, and work that drives real change, xpate is the place for you.

About Usxpate’s storyxpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.