Open to opportunities

Milena Sevtsova

@milenasevtsova

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AML and compliance specialist bridging banking, fintech and legal insight.

Estonia

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What I'm looking for

I seek a compliance or AML role in a values-driven organisation where I can apply risk-based KYC/AML expertise, contribute to policy development, and deepen legal/regulatory impact while growing professionally.

I am an AML and compliance specialist with over five years' experience across banking and fintech, focused on KYC, CDD/EDD, sanctions and regulatory compliance. I combine hands-on transaction monitoring, investigations and policy drafting with a pragmatic risk-based approach.

My background includes roles at Swedbank, Citadele and fintech Swaper Platform OÜ, where I led onboarding, suspicious activity reporting, remediation and delivered training to foster a compliance-first culture. I also draft and review legal contracts, respond to regulatory inquiries and represent organisations with regulators.

Currently studying law to strengthen my regulatory and legal foundations, I bring precision, proactivity and strong ethical standards to mitigate legal and financial risks and support sustainable business operations.

Experience

Work history, roles, and key accomplishments

Current

AML Compliance Officer

Current

Swaper Platform OÜ

Jun 2025 - Present (4 months)

Developed and maintained AML, sanctions, and GDPR policies; conducted investigations and reporting of suspicious activity while overseeing CDD/EDD/KYC processes and delivering compliance training to staff.

AML KYC CDD EDD GDPR)Regulatory Reporting Policy Development Investigation

Current

KYC Due Diligence Specialist

Current

Swedbank AS

Aug 2023 - Present (2 years 2 months)

Reviewed and verified new customer accounts, performed risk-based analysis and negative media screening, prepared SARs, and checked customers against sanctions and watchlists to mitigate ML/TF risk.

KYC Due Diligence SARs Risk Assessment Negative Media Screening AML Customer Onboarding

Customer Manager

Citadele Banka Eesti Filiaal

Sep 2021 - Aug 2023 (1 year 11 months)

Facilitated onboarding for private and business customers, researched UBOs for risk profiling, managed account lifecycle actions, and collaborated with compliance on suspicious activity detection and remediation.

Customer Onboarding KYC UBOs Account Management AML

Customer Support Specialist

Transcom

Dec 2020 - Sep 2021 (9 months)

Resolved customer complaints, supervised and mentored associates, tracked performance metrics, and maintained accurate records to improve service quality and reduce process delays.

Customer Service Mentoring Performance Management Documentation Training Quality Assurance

Education

Degrees, certifications, and relevant coursework

Arden University

Bachelor of Laws, Law

2025 -

Pursuing a Bachelor in Law with coursework in public law, criminal law, contract law, and EU law to deepen regulatory and legal knowledge for compliance roles.

Georgetown University (Online certificate)

Certificate, Bioethics

2018 - 2018

Completed a nine-month Bioethics course to strengthen understanding of ethical frameworks relevant to professional practice.

Pirita Majandusgümnaasium

High School Diploma, Secondary Education

2006 - 2016

Completed secondary education in Estonia prior to further studies abroad.

University of East Anglia

Master of Science, Actuarial Science

2019 -

Enrolled in a Master program in Actuarial Science with studies in higher mathematics, financial mathematics, economics, programming, and statistics (programme not completed).