Finance & Banking jobs in Estonia

Credit Risk Analyst

Reach-U

<p><strong>Job Title:<em> </em></strong><em>Credit Risk</em><strong><em> </em></strong><em>Analyst/Associate</em></p> <p><strong>Location: </strong>NYC (3-4 days in office; EST hours)</p> <p><strong>Compensation:</strong> $90,000 – $110,000 (depending on experience level) + bonus</p> <p><strong>What is Reach Financial?</strong></p> <p>Reach Financial is a FinTech platform helping people outsmart debt for good.</p> <p>We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality.</p> <p>Reach Financial launched in 2015 and has helped our customers pay off over $1 billion in debt. We offer debt consolidation loans and personal loans; together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges.</p> <p>We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.</p> <p><strong>About the Department: </strong></p> <p>Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists and Analytics Professionals covering all the lending products. We are passionate about data and cutting-edge technology. Our goal is to leverage the data to drive the business growth agenda. The Risk and Decision Science team works cross functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progresses for all initiatives.</p> <p><strong>What You’ll Do: </strong></p> <ul> <li>Perform data analysis across various marketing channels to optimize credit risk, origination volume and funnel conversion.</li> <li>Utilize statistical and segmentation tools to develop data driven business strategies for personal loan products, that balances volume and risk-return targets.</li> <li>Retrieve data and conduct data driven analytics from internal database and external vendor data, utilizing various analytical tools, software and techniques.</li> <li>Forecast delinquency and loss curves for consumer lending products.</li> <li>Develop processes and tools to track, analyze and report monthly portfolio performance of various acquisition channels & drive credit insights.</li> <li>Present the analyses, findings and recommendations to stakeholders across the organization.</li> <li>Execute on a wide range of analyses- descriptive measurement and reporting, dashboarding, ad hoc inquisitive problem solving and predictive forecasting.</li> <li>Help design experiments & A/B test different credit & marketing strategies, create data-backed recommendations to balance credit risk & volume to help make strategic business decision.</li> <li>Engage in model building and feature engineering exercises.</li> <li>Collaborate and work with cross functional team including data science, marketing, product and operations.</li> </ul> <p><strong>What You Should Have:</strong></p> <ul> <li>Bachelor’s Degree in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or other quantitative fields.</li> <li>Proficient using Python to manipulate data and draw insights from large data set</li> <li>Proficiency in SQL, Snowflake, Tableau is a plus</li> <li>Skilled in Excel and PowerPoint</li> <li>Good communication and presentation skills</li> <li>Experience in data analytics or lending products is a plus</li> <li>Experience in model training, deployment, and monitoring is a plus</li> </ul> <p><strong>What is it like working at Reach Financial?</strong></p> <p>Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that.</p> <p>We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.</p> <p><strong>What benefits will you receive?</strong></p> <ul> <li>Healthcare, Life Insurance, 401k Match</li> <li>Paid Time Off, Paid 12-week Parental Leave</li> <li>Disability (short-term, long-term), Employee Assistance Program</li> <li>Spending Accounts (Transit/Parking, Medical, Dependent Care)</li> <li>Insurance Discounts (home, auto, pet)</li> </ul> <p>Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time.</p> <p> </p>

Global Sourcing Lead

Bolt

We're looking for a Global Sourcing Lead to join Bolt's Procurement team in Tallinn, Estonia. You'll be the strategic partner bridging business demand and procurement delivery for some of Bolt's fastest-growing verticals, driving commercial value at global scale. If you thrive in high-complexity, high-impact environments and know how to turn stakeholder relationships into procurement results, this one's for you.

AP & Treasury Manager

Bolt

We’re looking for an AP and Treasury Lead to own treasury and accounts payable operations for Bolt’s Micromobility business. You’ll play a key role in ensuring cash control, liquidity visibility, and reliable payment operations across multiple markets as the business continues to scale as a standalone entity. This role is based in Tallinn and reports to the Head of Finance, Micromobility.

Senior Backend Engineer, Financial Automation, Tallinn

Bolt

We are looking for a Senior Backend Engineer to join Bolt's Financial Automation team and build scalable systems that automate critical financial processes powering Bolt's global operations. You will have the opportunity to design and build the core platforms behind fiscalization (tax reporting), e-invoicing, and other financial flows. If you are passionate about backend engineering and finance, and want your work to have a direct, measurable impact on a global business, this role will perfectly suit you.

Senior Tax Accounting and Compliance Associate

Bolt

The Senior Tax Accounting and Compliance Associate sits within Bolt’s Group Tax function and works directly with the Senior Tax Accounting and Compliance Manager to execute the day-to-day tax accounting and compliance agenda across a portfolio of entities spanning more than 55 jurisdictions.

Head of Finance

Bolt

We're looking for a Head of Finance to build and lead a dedicated Finance function for Bolt's Micromobility business, from financial governance and accounting to treasury and compliance, driving the financial maturity of a high-growth vertical.

Senior Product Manager, Micromobility Compliance and Expansion

Bolt

We’re looking for a Senior Product Manager to support city launches and manage compliance topics within Bolt’s Micromobility team. In this role, you will work closely with public policy and local operations teams to drive product solutions. Are you ready to make a global impact? Join us!

Senior Product Financial Controller

Bolt

We are looking for a proactive and highly motivated Senior Product Financial Controller to join our Finance Controlling team in Tallinn, Estonia.

Head of Finance, Bolt for Business

Bolt

We’re looking for a Head of Finance to take full ownership of the financial performance and operating model of Bolt for Business, shaping strategy and driving sustainable, profitable growth at scale.

Financial Controller

Bolt

We’re looking for a Financial Controller to join our team in Tallinn, Estonia. You will take full ownership of financial reporting and controls for Bolt’s HQ departments, helping the business scale across 50+ countries while keeping the numbers accurate and audit-ready. This is a fixed-term position until May 2028.

Director of Corporate Finance

Bolt

We’re looking for a Director of Corporate Finance to lead high-impact transaction execution across debt, equity and other corporate development initiatives. You will own the full deal lifecycle—from structuring to negotiation—playing a critical role in shaping financing outcomes and driving strategic projects. This role is based in London or Tallinn.

Country Chief Accountant

Bolt

We are looking for an experienced Country Chief Accountant to join our finance team in Tallinn.

KYC Operations Senior Analyst - SMA (Night shifts)

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role Wise is looking for a KYC Operations Senior Analyst to join the Tallinn Senior Management Approval team to cover our night shifts. You will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will be responsible for conducting enhanced due diligence, analysing customer activities, behaviour patterns, and ensuring that our KYC records are kept up to date according to our internal standards. You will be responsible for assessing and approving onboarding customers in AML High Risk state and customers with touch points with High Risk 3rd Countries and Low Tax Jurisdictions according to regulatory standards. As a KYC Operations Senior Analyst, you will play a key role in supporting a financial crime program that is driven by Wise's mission for money without borders, transparency, and protecting customers. We are looking for someone with experience in enhanced due diligence, an excitement and desire to learn and grow with this new team, and strong organisational and communication skills. Job Responsibilities Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures. Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage. Exercise discretion in setting priorities, identifying customer records that require further review and taking action to obtain and follow-up on the information and/or documentation requested. Ensure that information and documentation provided by customers meet our risk appetite for onboarding and maintaining High Risk customers. Conduct in depth analysis, using provided documentation or external sources (e.g. websites and company registries) ensuring that only customers within risk appetite are onboarded. Perform searches utilising Internet sources and/or third-party vendors to obtain information on prospects and new/existing customers. Communicate with other internal teams when required to handle escalated or complicated cases. Provide guidance and responses to daily inquiries from peers, front-line and management regarding high risk approval matters and case analysis, when appropriate. Maintain high understanding of AML/CFT Regulations and how these impact the business, as well as Wise products and Services; When warranted, be capable of drafting SAR narratives to report activity deemed unusual. Taking part in and leading projects related to SMA Team processes and guidelines. Assist in identifying improvement opportunities and contribute to policy updates, training materials, and standard operating procedures. Draft reports to internal and external stakeholders, periodically and when requested. Have a deep understanding of different business models, customer types, country risks and regulatory requirements across multiple geographies; Support Wise in internal and external audits and regulatory process related queries reviews. Mentor, and support Senior Management Approval Analyst, by providing training and coaching to enhance team capabilities. Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone, email, and chat). Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team. Tasks that are related to the position and are assigned to you by your lead. Participating in meetings, training, internal and external events. Qualifications Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts. You have a minimum of 1 year working experience in EDD, AML or a similar Financial Crime compliance role, or a comparable role at another company. You have a good understanding of the regulatory framework surrounding customer verification, preferably from a market that Wise currently operates in. Flexible to work different night shifts. We work when our customers need us most, including early-night, mid-night, and late-night shifts, as well as weekends and public holidays, per business needs. You have a good understanding of AML/CFT Regulations and are able to effectively document your reasoning. Ability to take decisions and apply risk-based approach at your work Punctual, independent, proactive and willing to get things done. Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment. Ability to handle routine and stressful situations well. Ability to work autonomously within a limited variety of well-defined procedures and practices. Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels. You have familiarity with reading legal and regulatory documents. Nice to have: Education: Bachelor’s degree in Finance, Business Administration, Law, or related field Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused) Additional information About this Role: Job level: 3 Salary: 2400 - 2850 EUR gross/month Stock: To be reviewed at offer Sponsorship: Wise does not sponsor visas, temporary residence permits, or work permits for this role. Candidates must already have full, unrestricted right to work in Estonia. Current night shift requirements: Night shift premium: 1.25x base salary for all hours between 22:00–06:00. Core shifts (assigned based on team capacity; we’ll ask your preference, but you must be comfortable with any): 18:00–02:00 20:00–04:00 22:00–06:00 Weekend shifts: This role includes two weekend shifts per month. Shift patterns are mandatory and may change based on business needs. We're processing applications continuously until roles are filled. Please mention in the "Message to the hiring team" field if you are interested in the Night shift role. Hiring process: Resume review Take-home test (reviewed by the team) Screening call with the Recruitment team Final interview with the SMA team For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

KYC Operations Senior Analyst - SMA

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role Wise is looking for a KYC Operations Senior Analyst to join the Tallinn Senior Management Approval team. You will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will be responsible for conducting enhanced due diligence, analysing customer activities, behaviour patterns, and ensuring that our KYC records are kept up to date according to our internal standards. You will be responsible for assessing and approving onboarding customers in AML High Risk state and customers with touch points with High Risk 3rd Countries and Low Tax Jurisdictions according to regulatory standards. As a KYC Operations Senior Analyst, you will play a key role in supporting a financial crime program that is driven by Wise's mission for money without borders, transparency, and protecting customers. We are looking for someone with experience in enhanced due diligence, an excitement and desire to learn and grow with this new team, and strong organisational and communication skills. Job Responsibilities Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures. Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage. Exercise discretion in setting priorities, identifying customer records that require further review and taking action to obtain and follow-up on the information and/or documentation requested. Ensure that information and documentation provided by customers meet our risk appetite for onboarding and maintaining High Risk customers. Conduct in depth analysis, using provided documentation or external sources (e.g. websites and company registries) ensuring that only customers within risk appetite are onboarded. Perform searches utilising Internet sources and/or third-party vendors to obtain information on prospects and new/existing customers. Communicate with other internal teams when required to handle escalated or complicated cases. Provide guidance and responses to daily inquiries from peers, front-line and management regarding high risk approval matters and case analysis, when appropriate. Maintain high understanding of AML/CFT Regulations and how these impact the business, as well as Wise products and Services; When warranted, be capable of drafting SAR narratives to report activity deemed unusual. Taking part in and leading projects related to SMA Team processes and guidelines. Assist in identifying improvement opportunities and contribute to policy updates, training materials, and standard operating procedures. Draft reports to internal and external stakeholders, periodically and when requested. Have a deep understanding of different business models, customer types, country risks and regulatory requirements across multiple geographies; Support Wise in internal and external audits and regulatory process related queries reviews. Mentor, and support Senior Management Approval Analyst, by providing training and coaching to enhance team capabilities. Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone, email, and chat). Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team. Tasks that are related to the position and are assigned to you by your lead. Participating in meetings, training, internal and external events. Qualifications Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts. You have a minimum of 1 year working experience in EDD, AML or a similar Financial Crime compliance role, or a comparable role at another company. You have a good understanding of the regulatory framework surrounding customer verification, preferably from a market that Wise currently operates in. Flexible to work in shifts. We work when our customers need us the most including early mornings, day times, afternoons, late evenings, weekends and public holidays as per business needs. You have a good understanding of AML/CFT Regulations and are able to effectively document your reasoning. Ability to take decisions and apply risk-based approach at your work Punctual, independent, proactive and willing to get things done. Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment. Ability to handle routine and stressful situations well. Ability to work autonomously within a limited variety of well-defined procedures and practices. Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels. You have familiarity with reading legal and regulatory documents. Nice to have: Education: Bachelor’s degree in Finance, Business Administration, Law, or related field Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused) Additional information About this Role: Job level: 3 Salary: 2400 - 2850 EUR gross/month Stock: To be reviewed at offer Sponsorship: Wise does not sponsor visas, temporary residence permits, or work permits for this role. Candidates must already have full, unrestricted right to work in Estonia. Current shift requirements: Two weekend shifts per month Three 12:00–20:00 evening shifts per month Three 14:00–22:00 evening shifts per month The remaining shifts are typically 09:00–17:00 These shift requirements are mandatory and may change based on team and business needs. Hiring process: Resume review Take-home test (reviewed by the team) Screening call with the Recruitment team Final interview with the SMA team For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Senior Finance & Accounting Manager, Revenue

Iru Hooldekodu

About Iru Iru is the AI-powered security & IT platform used by the world’s fastest-growing companies to secure their users, apps, and devices. Built for the AI era, Iru unifies identity & access, endpoint security & management, and compliance automation—collapsing the stack and giving IT & security time and control back. Iru is backed by some of the smartest investors in tech—General Catalyst, Tiger Global, Felicis, Greycroft, and First Round Capital. In July 2024, Iru raised $100 million from General Catalyst, valuing the company at $850 million. Customers include Notion, Cursor, Lovable, Replit, and Mercor, and Iru partners with industry leaders such as ServiceNow and AWS. Iru was named to Forbes’ America’s Best Startup Employers 2025 list for employee engagement and satisfaction. Position Overview We are seeking a highly analytical and technically proficient Senior Finance & Accounting Manager, Revenue to join our Finance team reporting to the Head of Finance & Accounting. This unique role bridges the gap between technical accounting compliance and forward-looking strategic finance. In this position, you will not only own the core revenue accounting lifecycle under ASC 606, but you will also act as a strategic partner to the leadership team by managing our ARR (Annual Recurring Revenue) waterfall reporting, financial analytics, and revenue forecast models . The ideal candidate loves digging into complex data reconciliations just as much as they enjoy building sophisticated forecasting models that drive business decisions.

BAAM Control Specialist

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role We are looking for a highly motivated individual to join our Treasury Team. Your key responsibilities revolve around the development and execution of Wise’s Bank Account & Access Management (BAAM) framework so that the risks around bank accounts, user access and payment activities are monitored in a secure and SOX control environment. You'll be integral to the daily operations of BAAM ensuring our processes and controls over bank account and user access management are executed effectively. This is a highly cross-functional position, demanding exceptional collaboration with a wide range of stakeholders, including Payment & Treasury Operations, Risk and Control teams, as well as internal and external auditors. What You’ll Be Doing Collaborate closely with regional teams including Banking and Operations to outline the roadmap for new partnerships and bank accounts Own the internal onboarding and off-boarding process for bank accounts within Wise’s internal infrastructure Liaise with technical stakeholder group to tackle complex situations or new types of products or implementation Execute the controls in relation to maintaining complete and accurate internal records of our counterparties, bank accounts, authorised signatories and user accesses in the relevant systems Review and ensure timely and appropriate closure of BAAM tickets and requests Collaborate with Product and Engineering teams to ensure the soundness of our BAAM infrastructure and its overall operating environment Prepare periodic reporting materials on BAAM operations and control effectiveness Support the lead and stakeholders to continuously enhance the BAAM processes to improve its efficiency Keep all BAAM documentation, including user guides, flowcharts, and the risk and control matrix, up-to-date and relevant Liaise with internal and external auditors to address any audit requests and queries Support the Treasury function on other ad-hoc projects related to BAAM areas when required Qualifications At least 2 years of proven experience in treasury or audit in SOX control environment, coupled with a solid understanding of risk and control principles in a large and fast paced organisation In depth understanding of treasury operational risk management, treasury best practices and SOX requirements Experience in opening & closing bank accounts for an organisation and managing user accesses and authorised signatories, or experience in financial audit or control testing in these areas Experience in managing a high number of bank accounts (500+) across different regions and setting up a control governance framework. Skills A self-starter with the ability to work independently in a self-directed way to thrive in a collaborative, team oriented, and fast-paced environment Critical thinking with ability to identify potential risks in a given situation Great attention to detail and problem solving skill Strong organisational skills with the ability to multitask, prioritise and work to meet tight deadlines Ability to establish good relationships across the organisation and build an effective working atmosphere with teams like Banking, Treasury, Finance and Payment Operations Strong communications skills, verbal and written, including ability to summarise key messages Ability to process data using Microsoft Excel and produce presentation using Power Point is essential Basic knowledge in data querying and visualisation including SQL, Excel VBA and Snowflake is preferable Relevant professional qualifications such as ACT, CIMA, ACCA, ACA are desirable but not mandatory Additional information For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram . For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Treasury Lead Analyst

Monese

<p><span>Pockit and Monese are the all-in-one money apps that make it easy for people to access and manage the financial tools that put them in control of their money. We provide vital financial services, from accounts and cards through to income advance. In October 2024, Pockit acquired Monese, creating the leading fintech for low-income individuals and those who are poorly served by traditional banks. The combined business serves over three million customers across the UK and Europe.</span></p><p><br><span><strong>About us</strong></span></p><p><span>We're a lively, diverse and international team, based across offices in London, Newcastle, Tallinn and remote teams in central Europe. You'll be joining a team that fosters curiosity, ambition, accountability, and resilience and we know you'll be made to feel at home straight away.</span><br></p><p><span><strong>What you’ll be doing:</strong></span></p><p><span>This role will support the delivery of key treasury change initiatives, including a major migration programme, while also taking responsibility for the day to day operation of treasury activities. The individual will work closely with finance, operations, technology and external partners to ensure project milestones are met without disruption to liquidity, funding, payments, and banking operations.</span></p><ul><li><p><span>The role requires hands on project management of treasury and banking migrations, owning end to end delivery from planning and stakeholder coordination through to cutover and stabilisation.</span></p></li><li><p><span>Designing the payment flows in the e-money ledger and related safeguarding flows to make most efficient use of the capital and meet the regulatory requirements</span></p></li></ul><ul><li><p><span>Supporting the design of processes and procedures around compliant and efficient safeguarding requirement</span></p></li></ul><ul><li><p><span>Designing the reconciliation models/processes for the core ledger and all the partner payment flows</span></p></li></ul><ul><li><p><span>Setting up the reporting processes and data collection around the financial and regulatory reporting</span></p></li></ul><ul><li><p><span>Building models and strategies to forecast and manage EMI capital requirements and operational liquidity at all our partners</span></p></li></ul><ul><li><p><span>Scoping and evaluating treasury requirements for any new product integration and ensuring these are met by the product</span></p></li></ul><ul><li><p><span>Conducting and building quality controls of various different processes and rules around the treasury operations</span></p></li></ul><ul><li><p><span>Managing ad hoc projects and putting out daily fires</span></p></li></ul><ul><li><p><span>Supporting Treasury team in daily operations</span></p></li></ul><ul><li><p><span>Working closely with internal tech and product teams and liaise with external payment partners in development and maintenance of treasury flows</span><br></p></li></ul><p><span><strong>What we are looking for:</strong></span></p><ul><li><p><span>Minimum 5 years experience in Treasury function in a financial institution, payments service provider, electronic money issuer or in other similar field</span></p></li></ul><ul><li><p><span>Understanding of UK and wider European payments and electronic money regulations</span></p></li></ul><ul><li><p><span>Knowledge of Treasury ALM and Risk management concepts</span></p></li></ul><ul><li><p><span>Experience in an EMoney, Payments or related company preferred</span></p></li></ul><ul><li><p><span>Knowledge of SQL and relational databases strongly preferred</span></p></li></ul><ul><li><p><span>Accomplished in financial modelling and analytics</span></p></li></ul><ul><li><p><span>Analytical, strategic thinker with strong judgement and foresight</span></p></li></ul><ul><li><p><span>Degree in Finance, Economics or Accounting or equivalent experience</span><br></p></li></ul><p><span><strong>Why Join Us</strong></span></p><ul><li><p><span>Join a mission-driven company working at the intersection of technology and financial inclusion.</span></p></li><li><p><span>Work with a diverse, entrepreneurial, and ambitious team.</span></p></li><li><p><span>Make a real impact in a scale-up with global reach and strong growth potential.</span></p></li><li><p><span>Competitive compensation and benefits, including share options, Bupa private healthcare and flexible working.</span><br></p></li></ul><p><span><strong>Work Location</strong></span></p><p><span>We are open to applicants based in London or Tallinn. </span></p><p><span>The primary place of work is Pockit’s headquarters in Marylebone, London, or Telliskivi, Tallinn, where the role will be expected to be in the office 3 days a week (Monday, Tuesday and Thursday).</span></p>

Pärnu kaupluslattu

Financial Operations Specialist

Inbank

<p><img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"></p> <p>Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.</p> <p>We are looking for a meticulous and proactive <strong>Financial Operations Specialist </strong>to join our <strong>Gdańsk office</strong>. In this role, you will support our financial operations ecosystem by ensuring timely execution and verification, accurate reporting, and smooth local liquidity processes, while providing the finance team with high-quality financial data.</p> <p><strong>What will you be doing?</strong></p> <ul> <li>Support the end-to-end lifecycle of corporate transactions: verify transaction details and documentation, monitor transaction statuses, handle exceptions, and ensure processes are carried out in line with company policies and local regulations.</li> <li>Ensure the authenticity, authorization, and accuracy of transactions before they are finalized.</li> <li>Prepare daily operational reports and support real-time liquidity forecasting to ensure the organization meets its daily operational requirements.</li> <li>Act as a primary contact for financial infrastructure-related third parties, managing the administrative interface between the organization and the broader financial infrastructure, including coordination of testing activities led by financial infrastructure partners.</li> <li>Monitor minimum reserve fulfilment.</li> <li>Assist with month-end and year-end closings and audits by preparing task-related reports, reconciliations, and required documentation.</li> <li>Collaborate with internal teams to resolve discrepancies, ensure smooth workflows, and support process improvements and operational efficiency initiatives.</li> </ul> <p><strong>Ideally, you would have:</strong></p> <ul> <li>At least 2 years of previous working experience, preferably in a fintech company or banking sector. Also, finance service centre or accounting team experience can be advantageous.</li> <li>Strong attention to detail with the ability to multitask effectively.</li> <li>Proactive mindset and excellent relationship-building skills.</li> <li>Great team spirit and ability to collaborate across diverse organisations and teams.</li> <li>Good MS Office skills, especially in Excel.</li> <li>Previous experience with payments and/or banking services is an advantage.</li> <li>Fluency in Polish and English (both written and spoken). </li> </ul> <p><strong>What you’ll get in return?</strong></p> <ul> <li>A competitive salary tailored to your experience, along with a comprehensive benefits package.</li> <li>Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.</li> <li>A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.</li> <li>A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.</li> <li>Flexibility through a hybrid and autonomous way of working, built on trust and accountability.</li> <li>The opportunity to collaborate with talented international colleagues across multiple markets.</li> <li>Regular team events and additional perks that make work more enjoyable and help celebrate successes together.</li> </ul> <p><strong>Sounds like a fit?</strong></p> <p>Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.</p> <p><strong>When submitting your application, kindly ensure your CV is in English.</strong></p>

Product Financial Data Analyst

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role About the role As a Finance Analyst at Wise, you will sit at the heart of our mission: money without borders. This role is a unique hybrid, split between the Product Financials and Accounting Operations. You aren't just "running reports." You are building the data infrastructure and analytical models that allow our Product Managers and Controllers to sleep at night. You’ll own the "why" behind the numbers, translating complex transactional data into actionable financial insights. What will you be working on? 1. Cards Product Financials Metric Ownership: Deep-dive into KPIs like Gross Margin, Unit Economics, and Transaction Volumes across 160+ countries. Stakeholder Partnership: Work closely with Financial Controllers to provide assurance on monthly actuals, ensuring internal management reporting aligns with external obligations and different Product teams to ensure they can make the most of Finance data. Modeling: Develop and refine models to understand card-related costs and revenues, identifying efficiency opportunities as we scale. Analytics: Build out dashboards and define metrics that reliably answer the most pressing questions from the business. 2. Support for Accounting Payment Operations Financial Integrity: Ensure consistency between vendor reports, bank statements, and our General Ledger (GL). You’ll be the architect of reconciliation between Finance and third-party systems. Operational Analytics: Build and maintain analytics for payables, payment cycles, invoice aging, and liquidity management to ensure Wise always has the right money in the right place. Optimization: Provide data-driven insights on efficiency and costs to help the Payment Ops team optimize how we move money globally. Feedback Loop: Act as a critical partner to PMs and Engineering by identifying and highlighting data quality gaps that impact financial accuracy. Qualifications What do you need? We are fully aware that it is uncommon for a candidate to have all skills required and we fully support everyone in learning new skills with us. So if you have some of those listed below and are eager to learn more we do want to hear from you! SQL Mastery: You can navigate massive datasets, join complex tables, and write optimized queries for high-volume transactional data. Python Proficiency: You use Python for data manipulation ( pandas/numpy ) and to automate the heavy lifting of financial reconciliations. Data Visualization: You create intuitive dashboards ( Lightdash/Superset ) that allow stakeholders to grasp complex financial drivers or liquidity bottlenecks at a glance. Data Pipelines: You have proven ability to build and maintain analytical models and pipelines (e.g., dbt, Airflow, or similar ), ensuring they are robust and scalable. Qualifications & Experience Experience: 3-5 years in a highly analytical role (Finance, Data Analytics, or Business Intelligence) at a tech or financial services company. Domain Knowledge: Understanding of payment card networks (Visa/Mastercard), accounting and financial data will give you a massive head start. Autonomy: You are comfortable working as an Individual Contributor (IC2), taking full ownership of your domain with a proactive, "find a way" mindset. You are also comfortable challenging decisions and are proactively looking for ways to improve the status quo. The "Plus": Previous experience in Accounting or Corporate Finance is a significant advantage. Understanding the flow from a customer transaction to a GL entry is key. Additional information For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Data Science Lead - AML Risk

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role We’re looking for a Data Science Lead to join our AML Risk team in Tallinn. This role is a unique opportunity to work on building out the lead Data Science team and machine learning based technical solutions in the AML Risk team, which owns AML detection across all of the Wise licenses. This is an exciting opportunity to develop the program in a global company. Your work will allow Wise to keep our customers safe and making sure we can keep our ecosystem free of bad actors in a scalable way. What you build will have a direct impact on Wise’s mission and millions of our customers . About the Role: In the Anti-Money Laundering (AML) Risk team we are developing systems which are a mixture of unsupervised and supervised learning, with GenAI to detect and mitigate Financial Crime on a global scale. You will be making sure the AML Risk Data Science team is well equipped and working on cutting-edge technology to sustainably support Wise’s growing customer, transaction and product space. You will be stepping into an already functioning, but growing product team. Here’s how you’ll be contributing: AML Risk Detection System Development Developing efficient and effective AML detection controls using a mixture of unsupervised, semi-supervised and supervised learning with GenAI Creating frameworks to prove controls coverage at a regional level Developing technologies to serve Wise’s diverse international user base Building a team of high performing specialists Working with product managers and engineering leads to understand staffing requirements Hiring specialists Mentoring more junior members of the team on technical and non-technical skillsets Performance Testing and Optimisation Evaluating our AML systems against internal and external benchmarks Developing decisioning layers to find optimal trade-offs between precision and recall Providing data-driven insights on potential outcomes under various scenarios Operational Process Development Collaborating with operational teams to refine processes, ensuring effective feedback integration into our automation systems Designing and managing projects that utilise excess operational capacity, such as manual data labelling for model improvement Creating systems which provide in-depth insight to investigators on red flags and typologies present on profiles/transactions Deployment and Implementation Packaging algorithms into deployable libraries/objects and transitioning them from staging to production environments Implementing and maintaining scheduled processes for data gathering and model retraining using automated pipelines Maintaining production-grade Python services Qualifications A bit about you: Experience implementing, training, testing and evaluating performance of Machine Learning systems; Strong Python knowledge. A big plus for proven familiarity and experience with OOP principles; Experience with statistical analysis, and ability to produce well-designed experiments; A strong product mindset with the ability to work independently in a cross-functional and cross-team environment; Good communication skills and ability to get the point across to non-technical individuals; Strong problem solving skills with the ability to help refine problem statements and figure out how to solve them. Some extra skills that are great (but not essential): Familiarity with automating operational processes via technical solutions, for example Large Language Models Willingness to get hands dirty with operational side by sides to understand their pain points Knowledge and experience within the Financial Crime domain Additional information For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Staff Data Scientist - AML

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role We’re looking for a Staff Data Scientist to join our growing AML Team in Tallinn, Estonia. This role is a unique opportunity to work behind the scenes of company transactions, develop our risk detection and assessment to the next level regarding regional typology understanding and at the same time, provide our customers with the seamless service they deserve. What you build will have a direct impact on Wise’s mission and millions of our customers. About the Role: The AML team at Wise is dedicated to safeguarding our platform against financial crime, while ensuring seamless service for our legitimate customers. Leveraging cutting-edge machine learning, real-time transaction monitoring, and data analysis, our team is responsible for developing and enhancing AML detection systems which have evidenceable regional coverage of different financial crime typologies and red flags. Software engineers, data analysts, data scientists and compliance specialists collaborate on a daily basis to continuously improve our systems and provide support to our AML investigation team. Our vision is: Build a globally scalable AML prevention and detection engine to maintain Wise as a secure environment for our legitimate customers. Utilise machine learning techniques to identify potential risks associated with customer activity. Foster a strong partnership between our AML investigators and the product team to develop solutions that leverage the expertise of AML investigation specialists. Not only meet the requirements set by regulators and auditors but also surpass their expectations. We are looking for a highly skilled Staff Data Scientist to lead technical innovation and drive the development of advanced data science solutions. This role is pivotal in enhancing our AML detection capabilities. Here’s how you’ll be contributing: Innovate and Develop: Lead the development and deployment of machine learning models, including neural networks, anomaly detection, graph-based models, Transformers. Design and build modular detection systems able to detect in an evidenceable way red flags and typologies across different regions where Wise operates. Lead and Collaborate: Mentor team members and promote adoption of AI workflows for automation across the business. Collaborate with cross-functional teams to integrate data science solutions into AML detection product offerings. Deploy and Integrate: Develop scalable deployment strategies together with Platform teams and integrate LLMs with AI agents for seamless production use. Optimize and Evaluate: Conduct large-scale training and hyperparameter tuning, and define performance metrics to ensure high-quality model outputs. Data Strategy and Management: Design and implement strategies for data collection, curation, and augmentation to support robust model training. Documentation and Reporting: Communicate complex data findings to non-technical stakeholders effectively. Document the development and maintenance processes for models and features. Qualifications A bit about you: Demonstrated expertise (5+ years) in developing and deploying production-grade AI systems and Machine Learning (ML) in financial risk or fraud domains. Technical Proficiency: Skilled in Python, capable of delivering production-ready Python services as required; possesses hands-on experience with neural networks and deep learning models; has comprehensive knowledge of machine learning frameworks such as TensorFlow or PyTorch, as well as AI agent frameworks like LLamaIndex and LangGraph; well-versed in LLM orchestration and MCP usage. Data-driven mindset: skilled in designing data strategies, including data collection, curation, and augmentation, to support model development. Experience with big-data frameworks and working with large scale databases. Technical leadership and mentorship: demonstrated ability to guide, mentor and level-up teams on technical aspects, fostering a collaborative and innovative work environment. Excellent communication skills, capable of simplifying complex technical concepts for easy understanding; able to adapt communication style to suit different audiences; can effectively engage and advise both technical and non-technical stakeholders with clarity and logic. A strong product mindset with the ability to work independently in a cross-functional and cross-team environment. Additional information For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

KYC Operations Associate Analyst

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role Join the Revolution at Wise as a KYC Operations Associate Analyst! Are you ready to be more than just an employee? At Wise, we're not just offering a job; we're inviting you to be part of a financial revolution! We're looking for a passionate and detail-oriented KYC Operations Associate Analyst to join our dynamic team. About the Role As a KYC Operations Associate Analyst, you'll be at the forefront of ensuring Wise adheres to the highest regulatory and compliance standards. You'll play a crucial role in protecting our customers and maintaining the integrity of our platform by conducting thorough customer due diligence, analyzing customer activities, and meticulously maintaining our KYC records. If you're eager to develop your career in the KYC domain, this is the perfect opportunity to make a real impact! What You’ll Do Customer and Business Onboarding: Dive into initial and ongoing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews. You’ll make critical risk-based decisions, ensuring our risk mitigation standards are met. You’ll also get to collect, analyze, and verify customer information against KYC/AML guidelines, gaining a deep understanding of potential risks associated with various customer types. This involves assessing everything from customer identity documents and online company registries to complex business structures, ultimate beneficial ownership, and customer source of wealth documentation, plus adverse media screening. Transaction Monitoring and Periodic Reviews: You’ll review customer transaction history, providing key insights into customer behavior patterns that could indicate risks. You'll also conduct periodic reviews, analyzing changes in customer history and account usage to keep us one step ahead. Documentation and Record Keeping: Accuracy is key! You’ll ensure customer records are not only accurate but also updated as required. You’ll maintain organized and detailed records of customers and the decisions made during the KYC process, all while complying with data privacy regulations and internal data security protocols. Risk Assessment and Escalation: You’ll perform and document customer risk assessments based on the information you gather. When you identify activities that exceed our internal risk tolerance, you’ll escalate them to the relevant teams. You’ll also be vigilant in identifying potential money laundering and fraudulent activities, filing Suspicious Activity Reports with proper documentation and rationale. Customer Communication: You’ll communicate effectively with customers through various channels (phone, email, and chat), providing top-notch service and support. KPIs and More: You'll perform your tasks within the expected key performance indicators set by the leadership team, and you'll tackle other position-related tasks assigned by your lead. You’ll also participate in meetings, training, and internal and external events, contributing to our collaborative environment. Additional information For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Credit Risk Underwriter

Inbank

<p><img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"></p> <p>Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.</p> <p>As we continue to expand our business, we are looking for an enthusiastic <strong>Credit Risk Underwriter</strong> to join our Tallinn office. </p> <p>As a <strong>Credit Risk Underwriter,</strong> you’ll play a key role in shaping how we make retail credit decisions across our markets. Your work will directly influence product performance and profitability, combining analytical thinking with real business impact. This is a hands-on role where you’ll collaborate closely with different teams to continuously improve how we assess and manage credit risk.</p> <p><strong>What you’ll be doing? </strong></p> <ul> <li>Developing and improving credit decision-making processes, including statistical analyses and probability estimations, while shaping credit decision criteria.</li> <li>Building and maintaining analytical views, dashboards, and reports to support decision-making.</li> <li>Helping ensure product profitability through sound underwriting and pricing approaches.</li> <li>Monitoring credit risk performance across partners and customer segments, and spotting trends early.</li> <li>Working closely with our technology team to enhance our automated credit evaluation systems (decision engine, data integrations, etc).</li> <li>Contributing a credit risk perspective to cross-functional projects, while sharing insights and recommendations with country and product teams.</li> <li>Keeping up with developments in credit risk management and bringing new ideas into practice.</li> </ul> <p><strong>Ideally, you’d have: </strong></p> <ul> <li>Around 1–2 years of experience in a similar analytical role; experience in fintech or banking is a plus.</li> <li>A strong analytical mindset and a structured way of thinking through problems.</li> <li>Confidence working with Excel and familiarity with tools like SQL, R, Python, or similar.</li> <li>Some hands-on experience with building or working with statistical models.</li> <li>The ability to take initiative, work independently, and think critically.</li> <li>A collaborative mindset and a genuine interest in working with different teams.</li> <li>Strong communication skills in written and spoken English & Estonian.</li> </ul> <p>If this role excites you, but you don’t meet every single requirement, <strong>we still encourage you to apply.</strong> We <strong>value diverse backgrounds and perspectives</strong> and believe that great people grow into great roles.</p> <p><strong>What you’ll get in return?</strong></p> <ul> <li>A competitive salary tailored to your experience, along with a comprehensive benefits package.</li> <li>Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.</li> <li>Extra vacation days after your third year, giving you more time to rest and recharge.</li> <li>A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.</li> <li>A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.</li> <li>Flexibility through a hybrid and autonomous way of working, built on trust and accountability.</li> <li>The opportunity to collaborate with talented international colleagues across multiple markets.</li> <li>Regular team events and additional perks that make work more enjoyable and help celebrate successes together. </li> </ul> <p><strong>Sounds like a fit?</strong></p> <p>Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.</p>

Associate Controller - Finance Core

Wise

About the company Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about our mission and what we offer . The role As a financial institution moving billions of pounds of customer money in more than 70 countries, Wise must have bulletproof financials. We are now looking for an Associate Controller to join our Finance Team in Tallinn. This role is a unique opportunity to have an impact on Wise’s mission by ensuring timely and accurate financial data as well as building mature processes and a scalable control environment. A bit about the role: As a Finance Core Associate Controller you will be supporting the Area Controller overseeing Wise’s internal financials, contributing to ensuring that area related controls have been executed and Area Financial Statements are accurately and timely recorded. Perform detailed reconciliations of the balance sheet and income statement. You will identify and investigate variances, ensuring we understand the "why" behind the numbers in relation to changes. You will monitor the performance of monthly controls within the field and escalate any gaps to the Area Controller to ensure our risk and control repository remains accurate. Collaborate with analysts and accounting teams to maintain and improve the tools used for variance analysis. You will draft the initial commentary for monthly group-level reporting. You will help with planning and testing of new system implementation for controlled and efficient processes within the Finance Core area. Take ownership of specific financial closing tasks, ensuring they are executed accurately and on time to meet Wise’s global reporting deadlines. Create and maintain "end-to-end" documentation of how transactions are recorded through our accounting procedures. You will help visualize how a business decision turns into an accounting entry in our books. Proactively identify "pain points" in your daily workflow. You will propose and implement solutions to automate manual tasks or fix inefficient processes within the immediate team. Act as one of the first points of contact for external auditors for your area. You will coordinate responses to ensure a smooth audit process. Build strong working relationships with the wider Finance Tribe to ensure information flows smoothly and blockers are resolved quickly. Qualifications About you: Practice – You have solid experience in Financial Accounting or Controlling. Prior experience in a fast-paced international environment or FinTech is a plus. You have a track record of improving existing processes and the resilience to navigate the challenges of a growing business. Theory – You possess a thorough understanding of core accounting principles (IFRS and/or local GAAP). Ownership – You are a self-starter who takes responsibility for your assigned area end-to-end. While you’re comfortable acting autonomously on day-to-day decisions, you know when to seek guidance on complex judgements that impact the wider team. Love Getting Things Done – You have a "roll up your sleeves" attitude. You enjoy digging into the details, reconciling data, and solving operational problems to ensure the financial closing is accurate and timely. Collaborative Communication – You work effectively in a global team and can translate complex financial data into clear updates for stakeholders. You’re comfortable building Additional information For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Product Owner (Finance & Accounting)

Playtech Estonia

About the company About Playtech Founded in 1999, the company has a premium listing on the Main Market of the London Stock Exchange and is focused on regulated and regulating markets across its B2B business. By leveraging its proprietary technology, Playtech delivers innovative products and services to ensure a safe, engaging and entertaining gaming experience. As the gaming industry's leading technology company, it combines business intelligence-driven software, services, content, and platform technology to drive excellence and innovation across the sector. Read more about who we are and what we do here: www.playtechpeople.com and www.playtech.com Here at Playtech, we genuinely believe that people are our biggest asset. Diverse thoughts, experiences, and individual characteristics enrich our work environment and lead to better business decisions. Embracing differences and maintaining transparency in our processes is the core of Playtech's overall commitment to responsible business practices. Ready to level up your career? Playtech’s Bonus & Wallet team is looking for a data‑driven and financially literate Product Owner (Finance & Accounting) to join our team in Estonia. The role Your influential mission. You will... Own and maintain the financial models that define how data is structured, calculated, and interpreted within the Wallet system. Ensure models accurately reflect business logic and remain aligned with evolving product and regulatory requirements. Work closely with Finance, Data, and Engineering teams to validate and evolve models. Manage and maintain financial reports and the underlying data aggregation logic. Work with Product Manager to define and prioritize the product roadmap in alignment with business goals. Translate product vision into actionable backlog items, including epics and user stories. Track feature usage to ensure new features deliver value and inform roadmap planning. Collaborate closely with Software Analysts and Reporting Engineers to maintain and improve regulatory and business reports. Maintain product documentation and guides in the Academy. Qualifications Components for success. You... Have experience with financial models and data structures in transactional systems. Demonstrate a strong understanding of accounting principles and financial reporting. Understand SQL and relational databases. Work with Agile methodologies and tools (e.g., Jira, Confluence). Are analytical, detail-oriented and passionate about data integrity. Communicate fluently in English, both written and spoken. You'll get extra points for... Experience in the iGaming industry. Degree in Finance, Accounting, Economics, or a related field. Familiarity with BI tools (Power BI). Additional information Thrive in a culture that values... Initiative-taking and confident approach at the workplace. Global scope and inclusive working environment. Constant learning and development opportunities. Active lifestyle and mental well-being. Fun and engaging company events. BONUS & WALLET TEAM The Wallet is a central component of Playtech’s gaming infrastructure, responsible for capturing all financial transactions related to online gameplay, including Sports betting, Casino games, Live dealer games, Bingo and Poker. These activities generate millions of rows of raw transactional data daily, which are stored in a ledger-based model. On top of this raw data, the team builds aggregated data models that support a wide range of reporting needs—from regulatory compliance and financial audits to business intelligence and operational monitoring. Playtech is an equal opportunities employer. Our mission is to welcome everyone and create inclusive teams. We celebrate differences and encourage everyone to join us and be themselves at work.

Credit Risk Analyst

Inbank

<p><img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"></p> <p>Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.</p> <p>Due to our growth ambitions, we seek a driven <strong>Credit Risk Analyst</strong> to join our Tallinn office.</p> <p>As a <strong>Credit Risk Analyst </strong>in our Risk Team, you will play a key role in assessing, monitoring, and improving the performance of our consumer lending portfolio across multiple markets. By turning data into insight, you’ll help shape smarter lending decisions - from evaluating creditworthiness to refining risk models - directly influencing how we manage risk, support sustainable growth, and maintain a strong, well-balanced credit portfolio. You’ll also analyse portfolio trends and calculate expected credit losses in line.</p> <p>In this role, you’ll be one of the key contributors within our Credit Risk Control team - tackling complex challenges, sharing ideas, and working alongside talented professionals to keep our credit portfolio strong, balanced, and future-ready.</p> <p><strong>What will you be doing?</strong></p> <ul> <li>Monitoring credit portfolio performance, identifying key risk drivers, and providing actionable insights across Inbank’s 5 operating markets.</li> <li>Analysing customer behavior, loan performance, and emerging risk trends.</li> <li>Preparing regular risk reports and dashboards for internal stakeholders to support decision-making.</li> <li>Collaborating with product, data, and collections teams to improve credit processes.</li> <li>Contributing to the development and optimisation of credit policies.</li> </ul> <p><strong>Ideally, you would have:</strong></p> <ul> <li>2–3 years of previous experience in Credit Risk, Data Analysis, or a similar analytical role.</li> <li>Strong analytical skills and the ability to interpret complex datasets.</li> <li>Intermediate proficiency in SQL and Excel; experience with Tableau (or a similar reporting tool) is a plus.</li> <li>Understanding of consumer lending products and credit risk principles.</li> <li>Strong attention to detail and a structured approach to problem-solving.</li> <li>Excellent communication skills in written and spoken English.</li> </ul> <p><strong>What you’ll get in return?</strong></p> <ul> <li>A competitive salary tailored to your experience, along with a comprehensive benefits package.</li> <li>Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.</li> <li>Extra vacation days after your third year, giving you more time to rest and recharge.</li> <li>A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.</li> <li>A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.</li> <li>Flexibility through a hybrid and autonomous way of working, built on trust and accountability.</li> <li>The opportunity to collaborate with talented international colleagues across multiple markets.</li> <li>Regular team events and additional perks that make work more enjoyable and help celebrate successes together. </li> </ul> <p><strong>Sounds like a fit?</strong></p> <p>Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.</p>

Safety & Compliance Lead (Flight Operations/ Flight Test)

STARK

About Us Your mission Responsibilities Qualifications