[Hiring] CDD Risk and Controls Officer @Finom

Role Description

Finom Payments serves small and medium-sized businesses across Europe, and every new customer passes through our CDD controls at onboarding. As CDD SME in the Second Line of Defence, you find where those controls are being bypassed, turn what you find into detection logic, and prove that the new controls work.

You work side by side with the CDD Risk Manager, who owns the effectiveness of the CDD Risk Engine. You supply the investigative insight and evidence. Together you decide which controls to change, and you measure the result.

What You Will Own

• Decline rate: declining the right applicants, not only more of them.
• Gross fraud rate: reducing losses from fraud that gets through onboarding.
• Early forced closures: reducing accounts we have to close shortly after opening because the risk should have been caught earlier.

Responsibilities

• Detect anomalies in the CDD profiles of Finom customers by analyzing external and internal sources.
• Build and monitor documented FinCrime scenarios covering the full range of AML risks.
• Work with the CDD Risk Manager to design mitigation measures for each scenario.
• Draft and review system requirements with Product and Engineering for new financial crime features.
• Test, launch, and monitor the performance of CDD controls at account opening.
• Support improvements to the Ongoing and Regular Review processes.
• Develop training materials for the CDD and Quality Assurance teams.
• Identify and drive process improvements within the department.
• Initiate and own ad hoc projects within the department.
• Take on other duties reasonably required for Finom's operational efficiency.

Qualifications

• 3+ years in the Second Line of Defence at a regulated financial institution, preferably a fintech or neobank.
• Thorough knowledge of AML regulation and money laundering and fraud typologies.
• Hands-on use of analytical tools such as Power BI, Metabase, and Databricks.
• Structured, evidence-based thinking.
• Attention to detail and ability to work independently in a fast-moving start-up environment.

Requirements

• Strong plus: SQL skills for querying data.
• Practical use of AI tools in investigation, research, or analysis.
• Experience tuning rules or thresholds and measuring false positives.

Benefits

• Make a genuine impact on the product.
• Work in the EU with flexibility for remote or hybrid models.
• Become a stock options holder through our Stock Options Program.
• Receive unwavering support and care in our modern, friendly, and eco-conscious corporate culture.
• Participate in our exclusive Work & Swim Program in Cyprus.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.