Senior Financial Crime Prevention Specialist (Hybrid or Remote)

About Vivid:
At Vivid, we're reimagining how individuals and businesses manage money. Our all-in-one app opens up a world of financial possibilities: invest in global stocks, ETFs, and over 150 cryptocurrencies, earn cashback on everyday purchases, and access personalised insights to make the most of your finances—all tailored to your lifestyle.   
  
For businesses, Vivid Business offers a powerful suite of tools, including multi-IBAN accounts, high-interest rates, business cashback, team cards, and seamless accounting integrations to streamline operations.   
  
Our mission? Your success. Everyone deserves the chance to see their finances flourish, and we’re dedicated to empowering our customers to make this a reality.   
  
Since our 2020 launch in Germany, Vivid has rapidly expanded across Europe, earning the trust of over 500,000 customers looking for a simpler, smarter way to grow their wealth. With over €200 million raised from top investors and a valuation of €775 million, Vivid is where modern finance meets real opportunity. Join us and experience a new way to thrive financially.

About The Role:
As a Senior FinCrime Prevention Specialist, you will be part of our 2nd line of defence, owning enhanced due diligence and ongoing monitoring for Vivid's high-value customers. You'll assess complex client structures, identify risk indicators, and ensure our AML/CTF compliance – all while maintaining a high standard of client experience. You will work closely with Sales, onboarding teams, and the MLRO to ensure timely, compliant, and well-documented outcomes.

This role is for you if you love digging into complex cases, have a sharp eye for risk, and take pride in keeping financial crime out of the system.

Your Mission:
Client Onboarding

• Conduct enhanced due diligence (EDD) on high-net-worth and high-value customers.
• Review and verify KYC documentation, source of wealth, and source of funds.
• Assess customer risk profiles and assign appropriate risk ratings.
• Identify and escalate red flags, sanctions hits, and adverse media.
• Collaborate with Sales, Branch managers and onboarding teams to ensure timely and compliant client acceptance.

Ongoing Monitoring

• Perform periodic reviews of high-value client accounts in line with regulatory and internal requirements.
• Monitor transactional activity for unusual or suspicious patterns.
• Investigate alerts generated by transaction monitoring systems and document findings.
• Recommend risk re-classification where appropriate.
• Support Suspicious Activity/Transaction Report (SAR/STR) preparation and escalation to the MLRO.

Compliance & Controls

• Ensure adherence to AML/CTF regulations, internal policies, and global standards.
• Maintain accurate and audit-ready client records and case documentation.
• Participate in internal audits, regulatory reviews, and remediation actions.
• Contribute to policy updates and process improvements for high-value client risk management.

Your Profile:
• 5+ years of experience in AML, KYC, or financial crime compliance at a fintech or a banking institution.
• Proven experience handling high-risk or high-net-worth/VIP client portfolios.
• Experience with enhanced due diligence and transaction monitoring investigations.
• Ability to assess complex client structures, PEP exposure, and cross-border risks.
• Excellent analytical and investigative skills.
• High integrity and sound judgment.
• Proactive, organized, and comfortable working in a fast-paced environment.
• Able to balance compliance requirements with a premium client experience.

Nice to have:

• Relevant certifications preferred (e.g., CAMS, ICA, CFCS).

Why Join Vivid?:
• Work at one of the fastest-growing fintech companies in Europe.
• We have a hybrid model in our Limassol office, or fully remote outside office locations.
• Opportunities for professional growth and development. 
• Subsidized Meals at the Office.
• Food vouchers.
• Sports and Gym allowance.

Enhance your expertise and shape the future of FinTech. Join Vivid's talented team and help us revolutionize how businesses think about their finances!