AML Risk and Controls Officer

DutchTechX; Poland; Hybride; PLN 264 000 - 396 000; Plein temps

Avantages offerts par ce poste

Stock options

Work & Swim program

Résumé du poste

Finom is seeking an AML Risk and Controls Officer (2LOD) to strengthen its Transaction Monitoring and FinCrime defenses across Europe. You will work with the AML Risk Manager to design rules, back-test them, monitor performance, and maintain the FinCrime Scenarios Library while enabling the organisation with training and process improvements.

You will contribute to improving detection coverage, data-driven decisions, and scalable controls across EU markets.

Qualifications

• Minimum 2 years in the Second Line of Defence at a regulated financial institution.
• 3 years in Transaction Monitoring in a senior role or as a Process Owner.
• Thorough knowledge of AML regulation and money laundering typologies in transaction data.
• Confident, hands-on SQL: write queries to investigate cases, back-test rules and monitor performance.
• Experience with data analytics and visualization tools such as Databricks, Metabase or Power BI.
• Understanding of how detection rules are tested and measured: false positives, false negatives, hit rate, precision and recall.
• Structured, evidence-based thinking, ability to work independently in a fast-moving startup environment.
• Strong plus: AI tools in investigation, Python scripting, ML model validation, fintech experience.

Responsabilités

• Detect anomalies using external sources (police, partners, typology reports) and internal data (anomaly reports, model outputs).
• Turn confirmed anomalies into documented FinCrime Scenarios in the library.
• Design mitigation measures with the AML Risk Manager: new rules, thresholds, model features.
• Back-test new/changed rules on historical data; measure alert volume, hit rate, false positives.
• Prepare releases with rule specifications, test results and acceptance criteria; coordinate deployment with Engineering.
• Monitor live rules and adjust, escalate or retire as performance drifts.
• Validate ML models before production and monitor their performance in production.
• Maintain the FinCrime Scenarios Library and report coverage.
• Develop training materials for Transaction Monitoring and QA teams.
• Identify and drive process improvements within the department and draft system requirements.
• Take on ad hoc projects and support Finom’s operational efficiency.

Connaissances

SQL

Data analytics

Structured thinking

Independent work

Communication

Outils

Databricks

Power BI

Python

Description du poste

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

AML Risk and Controls Officer

Internal job title: AML Investigator (2LOD)

The Role

Finom Payments serves small and medium-sized businesses across Europe, and every customer transaction passes through our Transaction Monitoring controls. As AML Investigator in the Second Line of Defence, you find the financial crime behaviour those controls miss, turn it into detection logic, and prove with data that the logic works in production.

You work side by side with the AML Risk Manager, who owns the effectiveness of the AML Risk Engine in the Transaction Monitoring domain. You bring the investigative insight and the data analysis. Together you decide which rules and models to build or change, and you measure their results.

What You Will Own

You are accountable, together with the AML Risk Manager, for three outcomes:

• Forced closures: making sure the decision to close an account is taken correctly, and improving the methodology behind that decision.

• False negative rate: the share of financial crime cases that took place but were not covered by our controls.

• Control coverage of the FinCrime Scenarios Library: the share of typologies in the library covered by a live, tested and monitored control, with the uncovered ones prioritised by risk.

Responsibilities

Detect

• Analyse external sources (police, partners, industry typology reports) and internal sources (anomaly reports, model outputs) to identify anomalies in the transactional behaviour of Finom customers.

• Turn each confirmed anomaly into a documented scenario in Finom's FinCrime Scenarios Library, which covers the full range of AML risks.

Build and monitor

• Design mitigation measures for each scenario with the AML Risk Manager: new rules, threshold changes and model features.

• Back-test every new or changed rule on historical data before release. Measure alert volume, hit rate and false positives.

• Prepare each release with a rule specification, test results and acceptance criteria, and work with Engineering on deployment.

• Monitor every live rule against its test targets, and tune, es‑calate or retire it when precision or alert volume drifts.

• Validate the results of internally developed Machine Learning models before release to production, and monitor their performance once live.

• Maintain the library and report its control coverage and the false negative rate.

• Take part in improving the Transaction Monitoring and CDD Risk Engines.

Enable the organisation

• Develop training materials for the Transaction Monitoring and Quality Assurance teams, based on real cases and current scenarios.

• Identify and drive process improvements within the department, and draft and review system requirements for new features relevant to financial crime.

• Initiate and own ad hoc projects within the department.

• Take on other duties reasonably required for Finom's operational efficiency, whether you identify them or your manager assigns them.

Desired Experience and Skills

Required

• Minimum 2 years in the Second Line of Defence at a regulated financial institution, or 3 years in Transaction Monitoring in a senior role or a Process Owner role.

• Thorough knowledge of AML regulation and of money laundering typologies in transaction data, such as mule accounts, layering through fast pass-through payments, structuring, and misuse of business accounts.

• Confident, hands‑on SQL: you write your own queries to investigate cases, back‑test rules and monitor rule performance, including joins across large transaction tables.

• Experience with data analytics and visualisation tools such as Databricks, Metabase or Power BI, to build and maintain monitoring dashboards.

• Understanding of how detection rules are tested and measured: false positives, false negatives, hit rate, precision and recall, and back‑testing.

• Structured, evidence‑based thinking, attention to detail, and the ability to work on your own initiative with little supervision in a fast‑moving start‑up environment.

Strong plus

• Practical use of AI tools in investigation and analysis, for example to summarise cases, draft queries, cluster patterns or document rules, with the judgement to check their output.

• Python or similar scripting for analysis and automation.

• Experience validating or monitoring Machine Learning models used in AML detection.

• Experience in a fintech, neobank or payment institution serving SMEs.

How You Work

Finom rejects the "Compliance says no" mentality. We want a colleague who empowers the business instead of limiting it: someone who weighs risk against customer impact, challenges the status quo, and proposes alternatives to a flat refusal.

You communicate with colleagues at every level of seniority. You present your findings and recommendations in plain, concise language to people who are not compliance specialists, such as Product, Engineering and Operations.

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well‑being and success reflected in our modern, friendly, and eco‑conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work‑life balance while enjoying breathtaking Mediterranean views.

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.