Senior AML/CFT Investigator

Please note this position is fully office based in Milton Keynes.

At Viva.com, you’ll join a business at the forefront of payments innovation while helping protect the integrity of a fast-growing, regulated financial ecosystem. As an AML/CFT Senior Investigator, you’ll have the opportunity to make a real impact — combining sharp investigative expertise with cutting-edge AI-assisted tools to uncover risk, strengthen controls, and support safer payment journeys for businesses across Europe. If you’re looking for a role where your experience is valued, your curiosity is encouraged, and your work directly shapes the future of financial crime prevention, this is a fantastic opportunity to grow with a collaborative, forward-thinking team.

Why Viva.com:

Viva.com is Europe’s first acquirer powering merchant payments acceptance across 24 countries and over 1,215 devices. In the UK, Viva.com operates as an E-Money Institution authorised by the Financial Conduct Authority (FCA), offering an omnichannel payments platform that empowers businesses of all sizes to accept and manage payments — in-store, online, or on the go.

Viva.com leads in Tap on Any Device technology, offers a high-conversion Smart Checkout for online payments, and provides a robust marketplace solution, enabling flexible, scalable, and future-proof payment journeys tailored to every business model. All technology is built in-house on Microsoft Azure, ensuring speed, security, and innovation at scale.

Through its direct connections to local payment schemes and alternative payment methods, Viva.com supports 40+ payment options. Key features include Real-Time Settlement, Offline Payments, acceptance fees as low as 0% with the use of Viva.com’s business debit card, and Merchant Advance.

With a growing ecosystem of 450+ tech partner-innovators, Viva.com is leading the shift to All-in-One business solutions, empowering merchants to adopt cutting-edge technology seamlessly and scale their business with ease.

The Role

Viva.com is strengthening its Anti-Financial Crime Unit and is looking for an AML/CFT Senior Investigator to support ongoing efforts to enhance our control environment. The role combines traditional investigative work with the use of AI-assisted analytical tools and is fully on-site to enable close collaboration with AFC, Data and Technology teams.

Key Responsibilities

• High-quality AML/CFT investigations across transaction monitoring alerts, sanctions/PEP hits, high-risk customer activity and complex behavioural patterns.
• Perform deep-dive analysis and draw defensible, well-supported conclusions aligned with regulatory expectations and internal policies.
• Provide second level (L2) review and quality assurance on investigations conducted by junior analysts.
• Draft clear, accurate and well-structured investigation narratives and SAR reports, utilising AI-supported drafting tools where appropriate.
• Use AI-powered tools — including large language models (LLMs), anomaly detection engines, clustering tools and graph analytics — to enhance investigative workflows and identify hidden patterns or risk indicators.
• Support internal training, provide guidance to analysts and foster a high-quality, learning-oriented investigative culture.
• Contribute structured insights to refine detection rules, risk scoring models and automated triage processes.
• Collaborate with Data and Technology teams to improve alert relevance, reduce false positives and uplift overall detection quality.
• Work closely with AFC, Product, Data Engineering and Technology teams through daily on-site collaboration to strengthen investigative quality and knowledge-sharing.

Requirements:
• Minimum 4 years of experience in AML/CFT investigations, transaction monitoring, or other AFC roles within fintech, payments, banking, or other regulated financial services.
• Strong working knowledge of:
• UK Money Laundering Regulations 2017 (as amended)
• FCA Handbook expectations (e.g., SYSC, Financial Crime Guide)
• Relevant JMLSG guidance

• Willingness to work with AI-assisted investigation tools; prior exposure is a plus but not required.
• Strong analytical and critical-thinking skills, with the ability to interpret complex information and identify meaningful patterns.
• Excellent written communication skills and ability to draft clear, structured investigation narratives.
• Collaborative and curious mindset, comfortable working in a cross-functional environment.
• Readiness to work full-time on-site and contribute actively to a high-quality, learning-oriented investigative culture.
• Additional experience with graph analytics, QA/QC, CAMS/ICA certifications or basic SQL/Python knowledge is considered beneficial.

Benefits:
• Competitive salary;
• Private medical health insurance;
• Pension;
• 25 days holiday;
• Office gym (Milton Keynes office only);
• We work in an open, transparent working environment that actively promotes ingenuity and team work;
• You will be fully trained and continuously supported;
• Working in an international fin-tech company with a large cultural diversity;
• A fast paced and high energy environment;
• Work with the latest in payments acquiring technology;
• Opportunity to grow progressively in your domain;