Junior Compliance Officer

Are you a recent graduate looking to kick-start your career in Compliance and Fintech industry? We are seeking enthusiastic, motivated, and dedicated individuals who are eager to learn, grow, and contribute to our team. This entry-level position offers the opportunity to gain hands-on experience, work on meaningful projects, and develop your skills under the mentorship of experienced Compliance professionals. In this role you will directly report to the Chief Compliance Officer (CCO) of Vivid Money S.A. .

• Assist in the review, update, and execution of the Compliance Program in close cooperation with the CCO and other compliance personnel (including outsourced personnel);
• Conduct periodic testing and controls of activities related to the compliance function, ensuring they align with CSSF Circulars and the organization's risk appetite;
• Support the management and oversight of outsourced activities, ensuring compliance with the company’s outsourcing policy and maintaining up-to-date procedures;
• Ensure proper implementation of customer due diligence (CDD) measures, including identification and verification of ultimate beneficial ownership (UBO), in line with CSSF Circular 19/732;
• Assist in developing, implementing, and monitoring remote onboarding solutions, ensuring compliance with EBA Guidelines on remote customer onboarding;
• Handle suspicious activity reports (SARs), suspicious transaction reports (STRs), and other requests for information from the Financial Intelligence Unit (FIU) and other authorities, in close cooperation with the CCO;
• Assist in the design and delivery of AML/CFT training programs for staff to ensure awareness and compliance with evolving regulatory requirements;
• Monitor emerging AML/CFT risks, including technological innovations, and provide recommendations for mitigating these risks effectively;
• Collaborate with the customer support team to handle customer complaints in line with regulatory obligations and internal procedures;
• Perform other tasks relating to the Compliance function of the Company upon request of the Board, CCO or Authorized Management;
• Assist Vivid Group Compliance Team as necessary on project basis.

What you will need

• A legal background is required: A degree in law or a related legal field (LLB or equivalent); additional certification in AML compliance (e.g., ACAMS, ICA Diploma) is a plus;
• Nice to have: 1-2 years of relevant experience in a similar role within Compliance, AML/CFT, or Internal/External Audit;
• Knowledge of EU  and Luxembourg regulatory framework, particularly CSSF regulations and AML/CFT laws;
• Familiarity with risk-based approaches to AML/CFT compliance;
• Experience with RegTech solutions and compliance monitoring technologies is an asset;
• Self-motivated with strong organizational and communication skills;
• Proficiency in researching, understanding, analyzing, and presenting regulatory information;
• Ability to thrive under pressure and take a proactive approach to work;
• Fluency in English is required; French or any other European language is an advantage;
• Previous experience in a European Fintech or Luxembourg EMI is a plus but not essential requirement.

• Competitive salary package
• Participation in our Employee Stock Option Programme  
• Flexible working hours and working hybrid model
• Opportunity to participate in setting and scaling up a new and innovative company
• 28 days of paid annual leave
• 18 lunch vouchers a month of EUR 10,80 each