CDD Risk and Controls Officer (Fintech)

Location: Remote in Spain, Poland or the Netherlands; remote or hybrid work across Europe is available.

Company

hirify.global is a European fintech startup building an all-in-one B2B financial platform combining banking, accounting, financial management and invoicing for entrepreneurs.

What you will do

• Analyse external sources, anomaly reports and model outputs to identify anomalies in customer due diligence profiles.
• Document confirmed anomalies as financial crime scenarios covering AML risks and add them to the FinCrime Scenarios Library.
• Design mitigation measures with the CDD Risk Manager and draft and review requirements for new financial crime features with Product and Engineering.
• Test, launch and monitor CDD controls at account opening, measuring decline rate, fraud rate and customer friction.
• Support ongoing and regular review improvements, develop training for CDD and Quality Assurance teams, and drive departmental process improvements.
• Initiate and own ad hoc projects and other duties supporting operational efficiency.

Requirements

• 3+ years of Second Line of Defence experience 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 experience with analytical tools such as Power BI, Metabase and Databricks for finding patterns in customer and transaction data.
• Structured, evidence-based thinking: forming hypotheses, testing them on data, and stating conclusions and limitations.
• Strong attention to detail and the ability to work independently with little supervision in a fast-moving startup environment.
• Ability to communicate findings and recommendations clearly to Product, Engineering, Operations and other non-compliance specialists.
• Ability to balance risk against customer impact, challenge the status quo and propose alternatives to flat refusals.

Nice to have

• SQL experience for querying data independently.
• Practical use of AI tools in investigation, research or analysis.
• Experience tuning rules or thresholds and measuring false positives.

Culture & Benefits

• Product-focused startup environment with opportunities for personal and professional development.
• Remote or hybrid work flexibility across Europe, with the possibility to travel while working remotely.
• Stock options available to every team member.
• Supportive, diverse, friendly and eco-conscious corporate culture.
• Work & Swim program providing one month in a corporate apartment in Cyprus.