As an AML & Risk Operations Analyst, you will be responsible for executing end-to-end financial crime controls, including KYC/KYB verification, transaction monitoring, and PEP, Sanction and adverse media screening across our European markets, and with a touchpoint on the UK. You will help to identify patterns of illicit behavior, conduct enhanced due diligence (EDD) on high-risk users, and ensure our platform remains a safe environment that meets the rigorous standards of our electronic money institution (EMI) licenses.
You will join our core AML & Risk Operations department, the engine room of Vinted Pay. We are a high-energy team of professionals dedicated to protecting our millions of users and the integrity of our financial ecosystem across multiple jurisdictions. Our team doesn't just "check boxes" - we solve complex puzzles to prevent money laundering, fraud, and terrorist financing in real-time.
You will report to an AML Team Lead and collaborate closely with our Compliance, Product, Engineering and Data Science & Analytics stakeholders. In your role as an Analyst, you will focus on high-volume operational excellence, whilst also being presented with opportunities to upskill under the stewardship of Specialists and Senior Specialists.
In this position, you’ll primarily
- Be responsible for managing PEP screening alerts: Review and resolve potential matches against PEP (Politically Exposed Persons) as the business looks to migrate its book onto the Vinted Pay rails
Over time you will
- Manage Sanction & Adverse Media Screening: Review and resolve potential matches against global sanctions and adverse media lists
- Perform KYC Verifications: Conduct robust identity checks to ensure every user on the Vinted platform is who they say they are
- Monitor Instant & Retrospective Transactions: Analyse payment flows to detect and prevent money laundering, terrorist financing, and sophisticated fraud schemes
- Conduct Enhanced Due Diligence (EDD): Deep-dive into high-risk users, investigating source of funds (SoF) and source of wealth (SoW) to mitigate institutional risk
- Optimise Risk Tooling: Identify patterns in false positives and provide feedback to senior stakeholders to refine our automated monitoring rules
- Collaborate Across Stakeholders: Work closely with Member Support and other teams to balance a seamless user experience whilst maintaining rigorous controls
- Maintain Data Integrity: Ensure all case management and audit trails are documented to a "board-ready" standard, and in-line with internal documentation, ready for regulatory audits
