About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

AML Risk and Controls Officer

Internal job title: AML Investigator (2LOD)

The Role

Finom Payments serves small and medium-sized businesses across Europe, and every customer transaction passes through our Transaction Monitoring controls. As AML Investigator in the Second Line of Defence, you find the financial crime behaviour those controls miss, turn it into detection logic, and prove with data that the logic works in production.

You work side by side with the AML Risk Manager, who owns the effectiveness of the AML Risk Engine in the Transaction Monitoring domain. You bring the investigative insight and the data analysis. Together you decide which rules and models to build or change, and you measure their results.

What You Will Own

You are accountable, together with the AML Risk Manager, for three outcomes:

Forced closures: making sure the decision to close an account is taken correctly, and improving the methodology behind that decision.

False negative rate: the share of financial crime cases that took place but were not covered by our controls.

Control coverage of the FinCrime Scenarios Library: the share of typologies in the library covered by a live, tested and monitored control, with the uncovered ones prioritised by risk.

Responsibilities

Detect

Analyse external sources (police, partners, industry typology reports) and internal sources (anomaly reports, model outputs) to identify anomalies in the transactional behaviour of Finom customers.

Turn each confirmed anomaly into a documented scenario in Finom's FinCrime Scenarios Library, which covers the full range of AML risks.

Build and monitor

Design mitigation measures for each scenario with the AML Risk Manager: new rules, threshold changes and model features.

Back-test every new or changed rule on historical data before release. Measure alert volume, hit rate and false positives.

Prepare each release with a rule specification, test results and acceptance criteria, and work with Engineering on deployment.

Monitor every live rule against its test targets, and tune, escalate or retire it when precision or alert volume drifts.

Validate the results of internally developed Machine Learning models before release to production, and monitor their performance once live.

Maintain the library and report its control coverage and the false negative rate.

Take part in improving the Transaction Monitoring and CDD Risk Engines.

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.