KYB Process Owner

Permanent employee, Full-time · Limassol

About Vivid

At Vivid, we're reimagining how individuals and businesses manage money. Our all-in-one app opens up a world of financial possibilities: invest in global stocks, ETFs, and over 150 cryptocurrencies, earn cashback on everyday purchases, and access personalised insights to make the most of your finances; all tailored to your lifestyle.

For businesses, Vivid Business offers a powerful suite of tools, including multi-IBAN accounts, high-interest rates, business cashback, team cards, and seamless accounting integrations to streamline operations.

Our mission? Your success. Everyone deserves the chance to see their finances flourish, and we’re dedicated to empowering our customers to make this a reality.

Since our 2020 launch in Germany, Vivid has rapidly expanded across Europe, earning the trust of over 500,000 customers looking for a simpler, smarter way to grow their wealth. With over €200 million raised from top investors and a valuation of €775 million, Vivid is where modern finance meets real opportunity. Join us and experience a new way to thrive financially.

About The Role

We are looking for an experienced KYB Process Owner to lead and improve the Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) processes within the 2nd tier of the Compliance Operations team. You will drive improvements in onboarding and EDD workflows, ensure compliance with regulatory standards, and support operational teams in achieving high-quality and efficient outcomes. This role suits someone who is eager to build and shape processes at Vivid, thrives in a fast-paced fintech environment, and can independently manage multiple priorities while meeting deadlines.

Your Mission

Lead, document, and improve the KYB and onboarding process, ensuring processes and guidelines remain up to date.
Oversee CDD and EDD controls, ensuring consistent application across operational teams and compliance with EU regulatory standards.
Manage EDD reviews for high- and medium-risk SME-clients, including complex or cross-border structures.
Maintain and optimize event-driven and periodic review processes.
Collaborate with Legal, Risk, Support, Product, Data, and Engineering teams to introduce automations and process efficiencies.
Pro-actively spot deficiencies across teams and initiate internal CDD/AML training to ensure processes are applied correctly and consistently.
Analyse operational data (with our datateam) to spot risk trends and identify potential AML, terrorist financing, or sanctions evasion patterns.
Act as the main point of contact for KYB and EDD process questions or escalations and support junior team members when required.

Your Profile

5+ years of experience in KYB, EDD, or AML operations, ideally in fintech or financial services.
Strong understanding of EU AMLD, FATF, and other relevant AML/CTF frameworks.
Experience with SME and high-risk client onboarding and complex ownership structures.
Self-starter with proven ability and track record in analysing operational work in KYB/CDD operations, identifying process gaps and pro-actively driving improvements.
Well structured work ethic, disciplined self-starter and able to work independently.
Comfortable managing multiple priorities and deadlines in a fast-paced environment.
Strong communication and problem-solving skills, fluent in English.

Why Join Vivid?

Competitive salary package.
Participation in our Employee Stock Option Programme.
Flexible working hours and hybrid working model.

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Your application

Thank you for your interest in joining Vivid! Please fill in the following short form in order to finish your application. Should you have any difficulties in uploading your files, please contact us by mail via hr-eu@vivid.money.