AML Process Owner
Vivid Money Group is a European fintech offering personal and business financial services through digital accounts. Its services include payments, cards, cashback, interest accounts, international transfers, bookkeeping tools, investments, and cryptocurrency services.
About Vivid Money Group
Vivid Money Group operates a digital financial platform for individuals, freelancers, SMEs, enterprises, and other organizations across Europe. It provides business and personal accounts, IBANs, Visa cards, cashback, SEPA and SWIFT transfers, international payments, online payment acceptance, invoicing, bookkeeping integrations, tax filing, business travel, team spending controls, and AI-powered digital employees. The group also offers interest accounts, managed model portfolios, brokerage services for stocks, ETFs, iBonds, money market funds, and crypto-assets, as well as Crypto Earn services through regulated Vivid entities in Luxembourg and the Netherlands.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Lead and improve processes within the second tier of Compliance Operations at Vivid. The role involves documenting AML processes and guidelines, overseeing controls, ensuring compliance with EU regulatory standards, collaborating across teams on automation and process efficiencies, initiating internal AML training, analyzing operational data for risk trends and financial-crime patterns, and supporting escalations and junior team members.
Requirements
- 3+ years of experience in AML operations, ideally in fintech or financial services.
- Strong understanding of EU AMLD, FATF, and relevant AML/CTF frameworks.
- Experience with retail and SME customers, complex ownership structures, and external requests.
- Proven ability to analyze AML operational work, identify process gaps, and drive improvements.
- Structured work ethic and ability to work independently.
- Ability to manage multiple priorities and deadlines in a fast-paced environment.
- Strong communication and problem-solving skills; fluent English.
Responsibilities
- Lead, document, and improve AML processes and keep guidelines up to date.
- Oversee AML controls and ensure consistent application across operational teams.
- Collaborate with Legal, Risk, Support, Product, Data, and Engineering on automation and process efficiencies.
- Identify deficiencies and initiate internal AML training.
- Analyze operational data to identify risk trends, AML concerns, terrorist financing, and sanctions evasion patterns.
- Serve as the main contact for process questions and escalations and support junior team members.
Benefits
- Flexible working hours
- Hybrid working model
- Competitive salary and benefits package
- Real growth prospects and significant responsibility
- Opportunity to make an immediate impact
