AML Risk and Controls Officer

Finom

. Identify financial crime behaviour missed by Transaction Monitoring controls .

Posted 11/11/2026full-timeRemote • Poland, Netherlands, SpainJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in AML regulation and transaction monitoring, with strong analytical skills to identify financial crime behaviors and develop effective mitigation measures. Proficient in SQL and data analytics tools, with experience in validating machine learning models for AML detection.

Highest-signal resume keywords

AML Regulation KnowledgeSQL ProficiencyData Analytics ExperienceMachine Learning Model ValidationTransaction Monitoring Expertise

ATS Keywords

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Hard Skills

SQLData AnalyticsMachine Learning ValidationBack-TestingDetection-Rule TestingFinancial Crime AnalysisScenario DocumentationMitigation Measure DesignAttention to DetailStructured Thinking

Soft Skills

Independent WorkClear CommunicationProcess Improvement

Tools & Technologies

DatabricksMetabasePower BIAI ToolsPython

Industry Keywords

Second Line of DefenceFintechNeobankPayment InstitutionMoney Laundering Typologies

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Identify financial crime behaviour missed by Transaction Monitoring controls
Turn confirmed anomalies into documented scenarios in Finom's FinCrime Scenarios Library
Analyse police, partner, industry typology, anomaly-report, and model-output sources
Design mitigation measures with the AML Risk Manager, including new rules, threshold changes, and model features
Back-test rules on historical data and measure alert volume, hit rate, and false positives
Prepare rule specifications, test results, and acceptance criteria and work with Engineering on deployment
Monitor live rules, tuning, escalating, or retiring them when precision or alert volume drifts
Validate internally developed Machine Learning models before production and monitor their live performance
Maintain the FinCrime Scenarios Library and report control coverage and false negative rate
Improve Transaction Monitoring and CDD Risk Engines
Develop training materials for Transaction Monitoring and Quality Assurance teams
Drive departmental process improvements and draft or review financial-crime system requirements
Initiate and own ad hoc departmental projects
Present findings and recommendations clearly to Product, Engineering, Operations, and other colleagues

Requirements

What you’ll need

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 money laundering typologies in transaction data, including mule accounts, layering through fast pass-through payments, structuring, and misuse of business accounts
Hands-on SQL, including joins across large transaction tables
Experience with data analytics and visualisation tools such as Databricks, Metabase, or Power BI
Understanding of detection-rule testing and measurement, including false positives, false negatives, hit rate, precision, recall, and back-testing
Structured, evidence-based thinking and attention to detail
Ability to work independently with little supervision in a fast-moving start-up environment
Practical use of AI tools in investigation and analysis is a strong plus
Python or similar scripting for analysis and automation is a strong plus
Experience validating or monitoring Machine Learning models used in AML detection is a strong plus
Experience in a fintech, neobank, or payment institution serving SMEs is a strong plus

Benefits

Comp & perks

Resources and opportunities for continuous personal and professional development
Flexibility to travel and work remotely or in a hybrid model across Europe
Stock Options Program available to every team member
Constant support and care
Modern, friendly, and eco-conscious corporate culture
Work & Swim Program: one month in a corporate apartment in Cyprus