CDD Risk and Controls Officer

Finom

. Analyse external sources, including police, partners, and industry typology reports, and internal sources, including anomaly reports and model outputs, to identify anomalies in customer CDD profiles .

Posted 11/11/2026full-timeRemote • Spain, Poland, NetherlandsMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in AML regulation and financial crime analysis, with a strong focus on Customer Due Diligence (CDD) processes and the ability to communicate findings effectively across departments. Proficient in using analytical tools and developing training materials to enhance departmental performance and compliance.

Highest-signal resume keywords

AML Regulation KnowledgeCustomer Due Diligence (CDD)Analytical Tools ProficiencySQL ExperienceProcess Improvement Initiatives

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Crime AnalysisAnomaly DetectionData AnalysisRule TuningEvidence-Based Thinking

Soft Skills

Attention to DetailIndependent WorkClear Communication

Tools & Technologies

Power BIMetabaseDatabricksAI Tools

Industry Keywords

Second Line of DefenceFintechNeobankPayment InstitutionFraud Typologies

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Analyse external sources, including police, partners, and industry typology reports, and internal sources, including anomaly reports and model outputs, to identify anomalies in customer CDD profiles
Turn confirmed anomalies into documented FinCrime scenarios and add them to the FinCrime Scenarios Library covering AML risks
Design mitigation measures with the CDD Risk Manager
Draft and review system requirements with Product and Engineering for financial crime features
Test, launch, and monitor CDD controls at account opening
Report each control’s effect on decline rate, fraud rate, and customer friction
Support improvements to Ongoing and Regular Review processes
Develop training materials for CDD and Quality Assurance teams based on real cases and current scenarios
Identify and drive departmental process improvements
Initiate and own ad hoc departmental projects
Communicate findings and recommendations clearly to Product, Engineering, Operations, and colleagues at all seniority levels

Requirements

What you’ll need

3+ years in the Second Line of Defence at a regulated financial institution, preferably a fintech, neobank, or payment institution serving SMEs, with a focus on CDD
Thorough knowledge of AML regulation and money laundering and fraud typologies, including mule accounts, shell companies, beneficial ownership obfuscation, and document and identity fraud
Hands-on use of analytical tools such as Power BI, Metabase, and Databricks
Structured, evidence-based thinking: forming hypotheses, testing them on data, and stating conclusions and limits
Attention to detail and ability to work independently with little supervision in a fast-moving start-up environment
SQL experience is a strong plus
Practical use of AI tools in investigation, research, or analysis is a strong plus
Experience tuning rules or thresholds and measuring false positives is a strong plus

Benefits

Comp & perks

Continuous personal and professional development resources and opportunities
Flexibility to travel and work remotely or in a hybrid model across Europe
Stock Options Program available to every team member
Supportive, modern, friendly, and eco-conscious corporate culture
Work & Swim Program: one month in a corporate apartment in Cyprus