Viva.com is the first Tech Bank in Europe for businesses, serving 29 countries through its pan-European critical infrastructure for payments & banking services.

Viva.com’s offering spans across omnichannel payment acceptance, deposit accounts, card issuing, and a broad suite of financing solutions - including working capital and advance booking financing - alongside fiscalisation services, giving businesses across all verticals access to the tools they need to run their operations efficiently, on a single integrated platform.

Viva.com pioneered and leads in Tap on Any Device technology, enabling acceptance on any Android device or iPhone, while connecting directly to all major international and local card schemes, local payment systems, and alternative payment methods across Europe.

The Role

The EDD Investigator is a key member of the Anti-Financial Crime (AFC) Department, responsible for conducting in-depth due diligence reviews on high-risk customers. The role covers Source of Funds, Source of Wealth, beneficial ownership analysis, and complex corporate structures, while also contributing to the automation and intelligence capabilities that underpin our compliance infrastructure.

Key Responsibilities

• Conduct EDD reviews for onboarding, ongoing monitoring, and periodic customer reviews;
• Assess Source of Funds (SoF) and Source of Wealth (SoW) against declared business activity and transaction patterns;
• Identify and verify Ultimate Beneficial Owners (UBOs); map complex corporate and trust structures;
• Determine appropriate risk classification and document rationale clearly;
• Analyse customer risk factors using both system-generated alerts and independent external intelligence sources;
• Escalate high-risk findings and suspicious activity to Compliance or the MLRO in a timely and structured manner;
• Support trigger-event investigations: ownership changes, document expirations, adverse media alerts;
• Validate information gathered through web intelligence and external data sources;
• Collaborate with Product and Engineering to define business rules and decision logic for automated EDD workflows;
• Identify manual investigation tasks suitable for automation and support their implementation;
• Review and quality-assure outputs from AML, KYC, and ongoing monitoring systems;
• Ιnteract with AI-assisted compliance solutions to support Enhanced Due Diligence (EDD) investigations, validating AI-generated outputs and ensuring appropriate human oversight;
• Prepare clear, accurate, well-structured investigation reports that withstand regulatory scrutiny;
• Maintain complete and auditable case records in compliance with internal policy and regulatory requirements;
• Support internal audits, regulatory inspections, and continuous improvement initiatives;
• Contribute to policy and procedure updates as the regulatory landscape evolves.

At Viva.com, we believe in amplifying human potential through AI. When you join us, you're stepping into a future-forward environment where technology empowers every role, driving smarter, more efficient. 

Requirements

• Strong knowledge of AML/CFT regulations and EDD practices;
• Experience in customer risk assessment, UBO identification, and ownership analysis;
• Familiarity with  financial crime typologies and customer risk factors;
• Excellent written investigation reports and case documentation skills;
• Strong analytical, investigative, and problem-solving capability;
• Ability to collaborate across AFC, Product, Engineering, and Operations;
• Workflow automation, business rule engines, or decision logic configuration;
• Web intelligence and external data source validation;
• AI-assisted compliance solutions or machine learning in AML contexts;
• Experience in a regulated payments, banking, or fintech environment;
• Relevant certification: CAMS, ICA Diploma, CFE, or equivalent.

Benefits

💸 Competitive compensation package;

🎯Annual bonus based on your performance and targets' achievement;

🏥 Private health insurance for you and your family;

💻 Top of the Line tools and equipment;

📚 Career development and regular feedback to develop your skills;

🏃🏽‍♂️ Employee Wellness Program like Daily group sessions led by professional coaches.