Senior Compliance Officer (Luxembourg)

Job description

About The Role 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 the B2B and B2C segments. We operate from our Luxembourg headquarters under our own EMI license. Your Mission Contribute to the planning and execution of the annual Compliance Monitoring Plan and related QA activities. Conduct internal compliance reviews and support remediation actions. Track and report on identified deficiencies and the implementation of corrective measures. Draft and maintain internal policies, procedures, and working instructions in line with CSSF expectations. Prepare regulatory reports and ensure timely submissions to the CSSF, FIU, and law enforcement. Draft and coordinate formal responses to regulatory inquiries and external requests. Support the oversight of outsourced compliance operations in line with CSSF Circular 22/806. Design and deliver AML/CTF and compliance training programs for relevant staff. Maintain compliance logs and contribute to board and management reporting. Your Profile The candidate needs to be based in Luxembourg (CSSF requirement). At least 3 years of relevant work experience in a similar role within Compliance or Internal/External audit. Proven practical experience in AML processes. Knowledge of the regulatory framework governing Luxembourg's financial sector. Comfortable integrating AI tools into day-to-day compliance work to accelerate research, drafting, and analysis – while applying sound judgment to validate outputs for accuracy, data confidentiality, and regulatory appropriateness. Self-motivated with strong organizational skills. Self-starter, excellent communication and interpersonal skills required. Proficiency in researching, understanding, analyzing, and presenting information. Ability to thrive under pressure and take a proactive approach to work. Excellent written and verbal communication skills in English. Proficiency in any other European language(s) would be considered an advantage. Nice to have: A bachelor's and/or master’s degree in law. Previous experience in a European Fintech or Luxembourg EMI. Why Join Vivid? Competitive salary package. Flexible working hours and hybrid working model. Opportunity to participate in setting and scaling up a new and innovative company. 28 days of paid annual leave. Compensation range Final compensation is determined individually, based on your experience, skills and the scope of the role, assessed against objective, gender-neutral criteria. About Vivid At Vivid, we're on a mission to change how businesses and individuals manage their money across Europe. For businesses, we build tools that actually make a difference: multi-IBAN accounts, high-yield savings, business cashback, team cards, and accounting integrations that save real time — all in one place. And for individuals, we offer a simple way to manage and grow your wealth: access to global stocks, ETFs and 150+ cryptocurrencies, cashback, and personalised financial insights. 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. Founded in 2019 in Berlin by Alexander Emeshev and Artem Iamanov, Vivid has quickly grown into one of Germany's top financial platforms for SMEs and private accounts. Since then, we've expanded rapidly across Europe, earning the trust of over 500,000 customers — and with over €200 million raised and a valuation of €775 million, we're just getting started. We're building Vivid as an AI-native organization — across every function, from product to compliance to operations. Automation handles a growing share of day-to-day execution. For us, this means our teams can focus on architecture, strategy, and high-impact decision-making. This changes how we work: less manual execution, more ownership in building systems that scale. We want to help define what AI-native looks like in a regulated financial environment — and we're looking for people who want to build that future with us.