AML & Risk Operations Specialist

As an AML & Risk Operations Specialist, 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, but with a focus on the UK. You will 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 a Specialist you will be expected to take point on complex investigations, mentor junior peers, and help refine our internal risk scoring models.

In this position you will

• 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
• Manage PEP, Sanction & Adverse Media Screening: Review and resolve potential matches against global sanctions, PEP (Politically Exposed Persons), and adverse media lists
• Investigate & Report Suspicious Activity: Draft high-quality internal suspicious activity reports (SARs/STRs) for our Money Laundering Reporting Officers (MLROs)
• Support Regulatory Compliance: Ensure all operational actions align with our EMI licenses and local jurisdictional requirements
• 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
• Mentor & Knowledge Share: Act as a subject matter expert, guiding junior analysts through complex cases and evolving regulatory landscapes
• 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

• Have practical experience in AML or financial crime operations in a regulated fintech, payments, or marketplace environment (Specialist & Senior)
• Understand AML/CTF rules well enough to turn them into workable, day-to-day processes rather than policy documents
• Are comfortable being hands-on: reviewing cases, unblocking issues, and helping build structure where it doesn’t yet exist
• Care deeply about preventing financial crime while enabling a good customer experience in a fast-moving business
• Are confident making risk-based decisions, documenting judgement calls, and escalating when needed
• Are data-aware, and comfortable using MI and working to KPIs to improve quality and performance

Nice to have

• Professional certifications (e.g., CAMS, ICA, or similar) and/or experience in early-stage or fast-scaling companies, multi-country operations, online marketplaces or payments, and familiarity with modern AML tools.

• The opportunity to benefit from our share options programme
• 25 working days of holiday
• Access to all the tools & tech needed for work
• Home office support: we provide IT workstation equipment and a personal budget of up to €540 for home workplace furniture
• Private health insurance
• Mental and emotional health support through the Mindletic app
• Frequent team-building events
• A personal monthly budget for shopping on Vinted
• The opportunity to spend up to 90 days per year - 21 of which can be spent working outside of the EU - on workation
• A dog-friendly office
• In Vilnius office: Gym & in-house meals at friendly prices
• In Kaunas office: a monthly lunch allowance, and a once-a-week provided in-house lunch and breakfast