AML & Risk Operations Specialist

The Vinted Group is made up of three business units that support our mission to make second-hand the first choice. We work together to help our members buy and sell pre-loved clothing and lifestyle items, giving each piece a second life.

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, with a focus on the UK. You will identify patterns of illicit behaviour, 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, dedicated to protecting our millions of users and the integrity of our financial ecosystem across multiple jurisdictions. Our team solves complex puzzles to prevent money laundering, fraud, and terrorist financing in real-time.

Responsibilities

• 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.

Work perks

• The opportunity to benefit from our share options programme.
• 25 days of paid annual leave.
• Newest MacBook models.
• Digital mental and emotional health support and Employee Assistant Program (EAP).
• Frequent team-building events.
• Home office support: we provide IT workstation equipment and a personal budget of up to €540 for home workplace furniture.
• Lunch benefit per working day.
• Access to a discounted gym membership plan.
• A personal monthly budget for shopping on Vinted.
• Comprehensive Medical Insurance.
• Group Life and Income Protection Insurance.
• The opportunity to spend up to 90 days per year - 21 of which can be spent working outside of the EU - on workation.
• Pension plan with the opportunity to choose your contribution percentage, and Vinted will match it up to a set limit.

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.

Hybrid Work

We’ve adopted a hybrid workplace model where 2 days in the office are recommended but not enforced. It’s up to you and your team to decide on the exact days you’ll spend working together in person.

Equal Opportunity

The Vinted Group is committed to building an inclusive workplace where people from all walks of life feel a sense of belonging. We welcome applications from people of all backgrounds, identities and life experiences.