Compliance Officer – France (m/f/d)

We are looking for a Compliance Officer to drive financial crime compliance for our French branch. You will own suspicious activity reporting to Tracfin, act as the local point of reference for AML/CFT matters, and work hand in hand with our FinCrime Operations team on investigations, escalations and quality while closely working with Group Compliance with regulatory matters.

Suspicious activity reporting

• Review escalated cases from FinCrime Operations and decide whether a déclaration de soupçon (SAR) is required

• Draft, quality-check and file SARs with Tracfin via ERMES, within regulatory timelines

• Handle Tracfin requests for information (droit de communication) and follow-up on filed reports

• Act as déclarant and correspondant Tracfin for the branch, once designated

• Keep a clean, auditable record of SAR decisions, including cases where no filing was made

Supporting FinCrime Operations

• Act as escalation point for analysts on complex cases involving French customers or French-specific typologies

• Give feedback on investigation quality and help raise the bar on case narratives

• Contribute to transaction monitoring tuning, alert typologies and red-flag guidance for the French market

• Support asset-freeze and sanctions escalations under the French national regime (DG Trésor)

Local compliance framework

• Make sure group AML/CFT policies and procedures meet French requirements (Code monétaire et financier, ACPR guidance), and flag gaps

• Contribute to the French branch risk assessment and to annual regulatory reporting, including the ACPR AML/CFT questionnaire

• Track French regulatory changes and AMLA/AMLR developments and explain what they mean for operations

• Deliver AML/CFT training to local staff and FinCrime analysts on French specifics

Regulatory relationship

• Prepare for, and progressively lead, exchanges with the ACPR and Tracfin

• Support inspections, information requests and remediation actions

• Report key metrics and risks to the Head of FinCrime Operations and Group Compliance

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  • 4+ years in AML/CFT compliance or financial crime investigations at a French-regulated bank, EMI, payment institution or fintech

  • Hands-on experience filing déclarations de soupçon with Tracfin; experience as déclarant or correspondant Tracfin is a strong plus

  • Solid knowledge of the French AML/CFT framework

  • Sound judgement on suspicion: you can weigh evidence, write a clear narrative and defend your decision

  • Comfort working with high case volumes, data and monitoring tools in a fast-moving digital environment

  • Fluent French and professional English (our working language)

• Nice to have

  • Experience in a branch or passported structure reporting into a group compliance function in another EU country

  • Direct exposure to ACPR inspections or supervisory exchanges

  • Certification such as ACAMS (CAMS), ICA or AMF/ACPR-recognised compliance qualifications

• Hybrid or remote way of working.
• AI-first culture – we use it every day, not just talk about it.
• Learning & development budget to support your professional growth.
• Fully paid vacation and sick leave.
• Real growth prospects, significant responsibility, and the ability to make an immediate impact from day one.
• If you're looking for an exciting new opportunity to make an impact in the world of finance, Vivid is the perfect place for you. Join our talented team of professionals and help us revolutionize how people and companies think about their money!

Final compensation is determined individually, based on your experience, skills, and the scope of the role, assessed against objective, gender-neutral criteria. 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.