Location : Hybrid in Estonia or remote in Spain

Compensation : 2,500 – 2,900 EUR gross monthly. 30,000 – 34,800 EUR gross annual.

About the role:

We’re looking for a Risk Analyst to join Xolo’s group Risk function and operate the first-line controls on our onboarding and monitoring queues — to procedure and to evidenced quality.

Xolo is on a mission to help freelancers do their business across the EU — this will bring challenges that will constantly change and evolve as we figure out best ways to support our clients. You will verify who our clients are, screen them, and review how their accounts are used, escalating anything that doesn’t fit our risk profile to your Risk Lead. No prior AML experience is needed for the role, as we train on site, but accuracy, consistency and sound judgement on when to escalate are essential.

You’ll be part of a growing Risk function, with new analysts joining across onboarding and monitoring and dedicated Risk Leads to supervise, coach and review your work.



There is a clear career path ahead with progression assessed on evidenced performance rather than time served, and structured training at every step.

✍️ As a Risk Analyst at Xolo, you will:

- Verify client identity and screen clients against sanctions, PEP and high-risk lists.
- Work an onboarding or alert queue based on our internal procedures and have the ability to identify inefficiencies.
- Carry out customer due diligence and ongoing due diligence, including information requests to clients.
- Close routine clearances and no-action alerts within procedure, and keep a complete record of each decision.
- Escalate suspicion, procedural deviations and high-risk or PEP outcomes to your Risk Lead.
- Take part in structured training in GDPR, AML/CFT, typologies, transaction monitoring and sanctions, and in quarterly cross-training.

📌 Risk Analyst (España)
🏢 Xolo
📍 España