FinCrime Intelligence Analyst
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 play a key role in ensuring that all Suspicious Activity Reports are accurately reviewed, finalized, and submitted in line with regulatory and internal standards. You'll analyse transactional and customer activity to identify AML, fraud, and sanctions risks, and you'll review, improve and validate SARs so that they are clear, well-structured and regulatory-aligned. You'll spot gaps or areas of concern within SAR content and escalate them appropriately, making sure narratives clearly explain why activity is suspicious. You'll also apply a risk-based approach to challenge unnecessary SAR submissions or customer blocking, keep audit-ready documentation, stay up to date on evolving AML/CTF regulations and typologies, and collaborate with internal stakeholders to keep reporting practices consistent.
Requirements
- 3+ years of experience across transaction monitoring, AML investigations, and end-to-end suspicious activity analysis, including SAR/STR drafting, within a financial institution, fintech, or similar environment
- Strong understanding of AML/CTF regulatory frameworks and reporting obligations
- Exceptional attention to detail and ability to manage sensitive information with discretion
- Strong written communication skills and ability to work effectively in a remote setting
- Self-motivated and able to work independently with minimal supervision
- Background in fintech, crypto, or digital financial services
- Familiarity with reporting to agencies such as FinCEN or equivalent international bodies
- AML certifications such as CAMS are a plus but not required
Responsibilities
- Analyse transactional and customer activity to identify AML, fraud, and sanctions risks
- Review, improve, and validate SARs to ensure clarity, structure, and regulatory alignment
- Identify potential gaps or areas of concern within SAR content and escalate appropriately
- Ensure SAR narratives clearly explain why activity is suspicious
- Challenge unnecessary SAR submissions or customer blocking using a risk-based approach
- Maintain clear and audit-ready documentation
- Stay informed on evolving AML/CTF regulations and typologies
- Collaborate with internal stakeholders to ensure consistency in reporting practices
Benefits
- Fully remote work environment
- Flexible and collaborative culture