AML & Risk Operations Specialist

Our mission is to make second‑hand the first choice, and we’re looking for people who want to help us get there. Every day, we work together to help our members buy and sell pre‑loved clothing and lifestyle items, giving each piece a second life – or even a third.

The Vinted Group is made up of three business units that support this mission:

• Vinted Marketplace is Europe’s leading platform for second‑hand fashion and a go‑to destination for all kinds of pre‑loved items, with a growing range of categories.
• Vinted Go enhances the shipping experience with a vast network of over 500,000 pick‑up and drop‑off points, partnering with more than 60 carriers across Europe.
• Vinted Pay is dedicated to bringing secure, reliable payments to buyers and sellers across Europe.

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.

In your role as a Specialist you will be expected to:

• 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.

About you:

• Have practical experience in AML or financial crime operations in a regulated fintech, payments, or marketplace environment.
• Understand AML/CTF rules well enough to turn them into workable, day‑to‑day processes.
• 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.
• Access to a discounted gym membership plan.
• A personal monthly budget for shopping on Vinted.

Working at Vinted, we invest in your professional growth! As part of our commitment to continuous learning, we offer an annual learning budget to support your personal and career development through courses, certifications, workshops and more.

We’ve adopted a hybrid workplace model where 2 days in the office are recommended but not enforced. The Vinted Group is committed to building an inclusive workplace where people from all walks of life feel a sense of belonging.