CDD Risk and Controls Officer

7 hours, 29 minutes ago
Full-time
Mid Level
Data Science and Analytics
Finom

Finom

Finom provides an online payment solution that enables entrepreneurs to easily open business accounts and efficiently manage their finances, offering features such as international payments, cashback rewards, and personal assistance to enhance financia...

Professional Services
11-50
Founded 2019
$20M raised

Description

  • Analyse internal and external intelligence to identify anomalies in customer CDD profiles.
  • Document confirmed risks as FinCrime scenarios in the FinCrime Scenarios Library.
  • Partner with the CDD Risk Manager to design mitigation measures and improve CDD Risk Engine controls.
  • Draft and review requirements with Product and Engineering for financial-crime features.
  • Test, launch, and monitor onboarding controls, measuring effects on decline rates, fraud rates, and customer friction.
  • Support improvements to ongoing and regular customer review processes.
  • Create training materials for CDD and Quality Assurance teams using real cases and current scenarios.
  • Drive departmental process improvements and lead ad hoc projects.
  • Communicate risk findings and recommendations clearly to Product, Engineering, and Operations stakeholders.

Requirements

  • 3+ years of Second Line of Defence experience at a regulated financial institution serving SMEs, preferably a fintech, neobank, or payment institution, with a CDD focus.
  • Thorough knowledge of AML regulations and money-laundering and fraud typologies, including mule accounts, shell companies, beneficial ownership obfuscation, and document and identity fraud.
  • Hands-on experience using Power BI, Metabase, and Databricks to identify patterns in customer and transaction data.
  • Ability to form evidence-based hypotheses, test them using data, and clearly communicate conclusions and limitations.
  • Ability to work independently with strong attention to detail in a fast-moving startup environment.
  • Ability to balance risk mitigation with customer impact and propose alternatives to blanket refusals.
  • Clear communication skills for presenting findings to non-compliance stakeholders.
  • SQL experience for independently querying data (preferred).
  • Practical use of AI tools for investigations, research, or analysis (preferred).
  • Experience tuning rules or thresholds and measuring false positives (preferred).

Benefits

  • Professional and personal development opportunities with product impact.
  • Flexible remote or hybrid work across Europe.
  • Stock options program for all team members.
  • Supportive, modern, and eco-conscious work environment.
  • Work & Swim program, including one month in a corporate apartment in Cyprus.

Interested in this position?

Apply directly on the company website

Apply Now

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