Senior AML/CFT Investigator

Viva.com is the first Tech Bank in Europe for businesses, serving 31 countries through its pan-European critical infrastructure for payments & banking services.

Viva.com’s offering spans omnichannel payment acceptance, deposit accounts, card issuing, and a broad suite of financing solutions, providing businesses of all sizes and sectors with the tools they need to operate efficiently, both domestically and internationally, through a single integrated platform.

Viva.com pioneered and leads in Tap on Any Device technology, enabling acceptance on any Android device or iPhone, while connecting directly to all major international and domestic card schemes, local payment systems, and alternative payment methods across Europe.

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/STR 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 junior investigators 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.

At Viva.com, we believe in amplifying human potential through AI. When you join us, you're stepping into a future-forward environment where technology empowers every role, driving smarter, more efficient. 

Requirements

· Minimum 3 years of experience in AML/CFT investigations, transaction monitoring or related AFC roles, ideally within fintech, payments or banking.

· Strong understanding of AML/CFT regulatory frameworks (FATF, EU AMLD, EBA/ECB guidelines) and ability to apply them pragmatically.

· 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 compensation package;

🎯Annual bonus based on your performance and targets' achievement;

🏥 Private health insurance for you and your family;

💻 Top of the Line tools and equipment;

📚 Career development and regular feedback to develop your skills;

🏃🏽‍♂️ Employee Wellness Program like Daily group sessions led by professional coaches.