Junior Back-office/AML Officer

AML Process Owner

Vivid

ABOUT THE ROLE We are looking for an experienced AML Process Owner to lead and improve our processes within the 2nd tier of the Compliance Operations team. This role suits someone who is eager to build and shape processes at Vivid, thrives in a fast-paced fintech environment, and can independently manage multiple priorities while meeting deadlines. YOUR MISSION ● 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 to ensure processes are applied correctly and consistently. ● Analyse operational data (with our data team) 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. YOUR PROFILE ● 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 WHY JOIN VIVID? * Competitive salary and benefits package (depending on location). * Flexible working hours and a hybrid working model. * Real growth prospects, significant responsibility, and the ability to make an immediate impact from day one. COMPENSATION RANGE Final compensation is determined individually, based on your experience, skills and the scope of the role, assessed against objective, gender-neutral criteria. 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.

Anti-Financial Crime Officer (France)

Qonto

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join our Anti-Financial Crime team as an AFC Officer to investigate suspicious transactions and file Suspicious Activity Reports directly with Tracfin, France's financial intelligence unit. You will report to Garance, our Lead Anti-Financial Crime Unit (France). Every report you write reaches French authorities — your work directly shapes Qonto's regulatory standing and protects our users. ➡️ What you'll do Investigate & report: Draft high-quality Enhanced Investigations (EIs) and Suspicious Activity Reports (SARs) for Tracfin, covering AML, tax fraud, and private scams cases. Handle escalated alerts: Take ownership of cases escalated by our first line of defence teams, identifying money laundering patterns and fraud attempts with precision. Own your quality standards: Ensure every investigation meets our internal benchmarks and regulatory deadlines — quality and speed are both non-negotiable here. Improve detection tools: Contribute to team projects that sharpen our detection capabilities, from flagging new fraud typologies to refining operational processes. Share knowledge: Identify emerging fraud trends and feed insights back to the team, building a shared knowledge base that makes everyone sharper. ➡️ What we're looking for Fluent French writer: You write in French at C2 level — flawless spelling, grammar, and syntax are essential because your reports go directly to French authorities. You also operate in English at C1 level for internal communication. Legal or financial background: You hold a Master's in Law (Business Law, Criminal Law, Compliance) or Banking/Finance — the regulatory literacy this role requires. AFC or compliance experience: You have a first experience in Anti-Financial Crime, Compliance, or Fraud — or a strong, demonstrable interest backed by coursework or concrete exposure. Detail-oriented mindset: You synthesize complex transaction patterns into clear, concise written reports under time pressure, without sacrificing accuracy. Genuine interest in fraud: You're specifically curious about private scam mechanisms — you want to understand how they work, not just flag them. ➡️ What we can offer you Direct regulatory impact: Your SARs go to Tracfin. This isn't internal reporting — your work reaches France's financial intelligence unit and carries real compliance weight. Case variety across all AFC typologies: You'll work across AML, tax fraud, and scams cases, building a strong generalist AFC skillset while deepening your expertise in private scams — a fast-growing focus area for the team. A high-volume, high-quality environment: You'll handle a significant caseload using Qonto's proprietary back-office tools and Slack. Maintaining quality at pace is a genuine professional development constraint — not marketing copy. Close team with structured support: You'll join a tight AFC team with weekly group meetings and regular 1:1s with Garance. The team is hands-on and actively invested in each person's progression. A visible career path: Garance progressed from Junior to Senior to Lead within Qonto's AFC team. The trajectory exists and is actively encouraged. ➡️ Your future manager Your manager will be Garance, our Lead Anti-Financial Crime Unit (France). Her path? Garance holds a Master's in Criminal Law and Criminal Sciences, and joined Qonto in 2023. She progressed rapidly through Junior and Senior Officer roles before being promoted to Lead — a track record built on both technical depth and team results. What does she bring to the team? Garance is a hands-on manager who values transparency and gives her team genuine autonomy. She's committed to each person's development and looks for people who are as focused on quality as they are on speed. At Qonto we understand that true diversity isn't just about ticking boxes on a hiring checklist. Apply regardless of the boxes you tick! Who knows? You may have the missing piece of the puzzle we've been searching for all along.

Lead Product Manager - Banking Payments

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM As a Lead Product Manager for our global payment services, you will drive the strategy and execution for core banking payments across India, the UK, and Europe. You’re an experienced Product Manager with a broad, highly technical skill set—driven, analytical, and strategic, with a passion for using technology to deliver world-class payment products, rails, and ledger experiences for our businesses. You are deeply committed to your customers and understand the critical nature of moving money safely, quickly, and transparently. In this role, you will be responsible for building and scaling the core banking platform that enables SMEs to seamlessly send, receive, clear, and reconcile money globally. Your mission is to create a frictionless, resilient financial experience, ensuring robust funds flow, ledger precision, and cutting-edge payment capabilities (including real-time rails and Open Banking) that empower small businesses to grow with confidence. You’ll work hand-in-hand with senior leaders, backend engineers, data scientists, compliance officers, and risk experts to architect, build, and optimize our payment core. ABOUT THE ROLE As a Lead Product Manager, you’ll: * Drive Payment Strategy: Develop, drive, and execute the end-to-end product vision for banking payments (covering local/international rails, multi-currency accounts, and local IBANs) aligned with global business objectives. * Execute Technical Delivery: Lead cross-functional, agile teams through the entire product development lifecycle-mapping transaction lifecycles, writing technical specifications, and managing database isolation levels, event-driven architecture, and API design. * Own the Core Infrastructure: Lead discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics. * Leverage the Ecosystem: Engage deeply with the wider banking and fintech ecosystem (including Central Banks, clearing houses, BaaS partners, and Open Banking infrastructure like VRP) to identify next-generation payment opportunities. * Ensure Regulatory & Risk Compliance: Collaborate with Risk, Compliance, and Legal teams to ensure all payment features adhere strictly to FCA/PRA, EMI, and local central bank regulatory guidelines, proactively mitigating fraud and transaction risks. * Commercialize Payment Features: Optimize revenue drivers across the payment flywheel (interchange, FX markups, premium payment features, and data enrichment) while collaborating with Finance on quarterly forecasting. * Prioritize via Data: Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, and processing costs) to drive continuous optimization. WHAT WE ARE LOOKING FOR * Fintech/Banking Expertise: 8+ years of experience in Product Management specifically focused on core banking systems, payment rails, clearing/settlement infrastructure, or electronic money institutions (EMIs). * Deep Payment Rail Knowledge: Strong technical understanding of global and local payment mechanics, including SEPA, Faster Payments, UPI, SWIFT, and Open Banking / PSD2 frameworks. * Technical Fluency: Comfort speaking "Finance" with compliance officers and "Engineering" with backend architects. You understand API design, transaction logging, race conditions, and edge cases in high-throughput core systems. * Precision & Ledger Fluency: Solid understanding of funds flow, ledger management, double-entry bookkeeping, and automated safeguarding/reconciliation processes. * Regulatory Acumen: Well-versed in UK/EU/Global financial regulations (FCA, PRA, EBA guidelines, AML/KYB compliance, and transaction reporting requirements). * B2B / SME Focus: A strong understanding of small business financial friction points (cash-flow management, payment acceptance, FX, and account reconciliation). * Leadership & Influence: Proven experience mentoring junior PMs, managing external third-party banking providers/vendors, and aligning senior executive stakeholders. * Hands-on execution: A proactive individual contributor who balances big-picture financial strategy with a meticulous, hands-on approach to technical data flows. WHAT YOU’LL GET IN RETURN:    * The gross annual salary for this position ranges ranges from €62,000 - €77,500, but we are also open to discussing the salary further, taking into account your expertise and contributions. * 25 days paid annual leave  * 3 paid days off for volunteering or L&D activities * Extended maternity and paternity leave covered by the company * Personal L&D budget in the amount of 500 EUR per year * Additional health & dental insurance * Mental wellbeing platform  * Fully covered Multisports card * Food vouchers * Snacks, light food, drinks in the office * WFH equipment allowance * Share options   TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.   #MP-1 #LI-Remote TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.