AML Process Owner
Vivid offers an all-in-one financial platform for both businesses and individuals, combining banking services with investment opportunities. It provides business accounts with features like high-interest rates, cashback, invoicing, and payment solutions, targeting freelancers, startups, and companies. It also offers personal accounts with options to invest in stocks, ETFs, and crypto.
About Vivid
Vivid offers a range of financial services for both personal and business use. For businesses, it provides accounts, interest accounts, international transfers, cards, cashback, payment solutions, invoicing, bookkeeping, integrations, and business travel services. It also features a Crypto Earn account. For personal users, Vivid offers accounts, payments, cards, investment options in stocks, ETFs, and crypto, as well as rewards, interest rates, and various pricing plans like Prime. The company operates through several entities: Vivid Money S.A. in Luxembourg, authorized as an electronic money institution; Vivid Money B.V. in the Netherlands, licensed as an Investment Firm and Crypto Asset Service Provider; Vivid Digital S.r.l. in Italy, a registered Virtual Asset Service Provider; and Vivid Money GmbH in Germany. These entities provide specific services like payment services, investment and crypto services, and digital asset services to customers in various jurisdictions.
Skills
About the Role
You will lead and improve processes within the 2nd tier of the Compliance Operations team, working in a fast-paced fintech environment where you can independently manage multiple priorities and meet deadlines. You will document AML processes and guidelines, oversee AML controls, and ensure consistent application across operational teams while staying compliant with EU regulatory standards. You will collaborate closely with Legal, Risk, Support, Product, Data, and Engineering teams to introduce automations and process efficiencies. You will proactively spot deficiencies across teams, initiate internal AML training, and analyse operational data with the data team to identify risk trends and potential AML, terrorist financing, or sanctions evasion patterns. You will also act as the main point of contact for process questions or escalations and support junior team members when needed.
Requirements
- 3+ years of experience in AML operations, ideally in fintech or financial services
- Strong understanding of EU AMLD, FATF, and other relevant AML/CTF frameworks
- Experience with retail and SME customers and complex ownership structures, external requests
- Self-starter with proven ability and track record in analysing operational work in AML operations, identifying process gaps and pro-actively driving improvements
- Well-structured work ethic, disciplined self-starter and able to work independently
- Comfortable managing multiple priorities and deadlines in a fast-paced environment
- Strong communication and problem-solving skills, fluent in English
Responsibilities
- Lead, document, and improve different AML processes, ensuring processes and guidelines remain up to date
- Oversee AML controls, ensuring consistent application across operational teams and compliance with EU regulatory standards
- Collaborate with Legal, Risk, Support, Product, Data, and Engineering teams to introduce automations and process efficiencies
- Proactively spot deficiencies across teams and initiate internal AML training
- Analyse operational data to spot risk trends and identify potential AML, terrorist financing, or sanctions evasion patterns
- Act as the main point of contact for process questions or escalations and support junior team members when required
Benefits
- Flexible working hours
- Hybrid working model