Junior Compliance Officer (Luxembourg) (m/f/d) (Hybrid)

at  VIVID

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

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. .
Vivid Money S.A. (as a part of the Vivid Money Group) is our electronic money institution which is registered and licensed in Luxembourg. We provide payment services both in B2C and B2B segments. We operate from our Luxembourg headquarters under our own EMI license.

WHAT YOU WILL DO

• 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.