• Supports the Director of AML/CFT in administering the Bank’s compliance program. • Performs transaction monitoring, investigations, and quality control reviews to ensure compliance with BSA, USA PATRIOT Act, OFAC, and CIP requirements. • Maintains proficient knowledge of current AML/CFT and OFAC regulations, as well as all applicable federal and state laws and bank policies and procedures. • Reviews daily cash reports to identify, and file required Currency Transaction Reports (CTRs), within required time limits. • Maintains files and documentation for CTR exempt customers. • Monitors AML/CFT software daily alerts, trends, and potential unusual or suspicious activities. • Investigates daily alerts and referrals to identify and report suspicious activity on simple to moderately complex cases. • Prepares and files Suspicious Activity Reports (SARs), as appropriate, based on alerts and referrals. • Maintains supporting documentation for all SARs and potential SARs. • Performs timely periodic review and analysis of high-risk customers. • Performs callback of all new deposit accounts to ensure appropriate CIP/CDD/ADD and risk score requirements are followed. • Ensures all supporting documentation for legal entity customers are scanned and maintained in the core system. • Prepares monthly reports for the Director of AML/CFT, covering key areas including high-risk customer reviews, CIP/CDD/EDD callback errors, SARs and PSARs filed, and CTRs filed. • Provides feedback to the Director of AML/CFT for potential control weaknesses, staff training needs, policy, or procedure enhancements and/or ongoing system errors. • Monitors record retention. • Supports the implementation of training programs related to AML/CFT policies, procedures, and compliance. • Contributes to the development of bank forms, notices, and procedures to ensure adherence to AML/CFT regulations. • Aids in the preparation and updating of the AML/CFT Risk Assessment, policies, and procedures. • Assists in managing the AML/CFT software monitoring system. • Assists in the preparation and coordination of independent audits and regulatory exams. • Provides guidance and research support to bank staff on AML/CFT-related inquiries. • Manages and monitors AML/CFT staff high risk analysis to ensure zero late filings and analytical reviews. • Manages and monitors 314(a) and 314(b) requests. • Manages and monitors OFAC screenings to determine potential OFAC matches. • Provides cross-training to AML/CFT staff and junior staff on software and AML/CFT processes. • Monitors regulatory updates as related to AML/CFT, including FinCEN, OFAC, FDIC and other regulatory agencies. • Prepares and publishes Compliance bulletins and information related to AML/CFT updates and changes. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. • The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. • Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.

Role Description We’re currently looking for a Senior Investigations Officer on a full time, permanent basis. This position sits within the Regulation & Conduct Department. The role is based in London but we operate a remote first approach to working. Reporting to an Assessment & Investigations Manager, on a day-to-day basis, you’ll be involved in the following: - Investigating complex complaints about professional conduct - Reviewing and analysing documentary evidence - Drafting witness statements - Drafting clear and detailed reports of findings and decisions - Drafting Consent Orders and Reports of Disciplinary Allegations - Exercising strong case and time management skills - Preparing associated bundles for Reports and hearings Qualifications - Professionally qualified accountant with at least five years’ post qualification experience including audit work - Specialist investigatory or forensic accountancy experience would be an advantage - Experience of making decisions on cases independently and articulating reasons in writing - Knowledge of the framework in a professional regulatory environment and an understanding of regulatory and operational risk - Interest in unravelling (sometimes voluminous) facts and information and identifying the key issues demonstrating excellent attention to detail - Ability to work autonomously and self-motivated to progress their own case load to meet KPIs Benefits - Private healthcare - Life assurance - Income protection - Defined contribution pension scheme - Employee assistance programme - Financial wellbeing tool called Nudge - Flexible benefits platform to customise your benefit plan - Options for extra holidays, PMI family cover, cycle to work, Travel and Gym loans - Exclusive access to discount site and wellbeing centre platform

Role Description The Financial Crime Controls and Testing role is responsible for supporting the delivery of the Bank’s Financial Crime Quality Assurance (QA) and Quality Control (QC) program, controls testing and oversight, procedure management, and issues management. The role supports these processes across the Financial Crime program, including anti-money laundering (AML)/countering the financing of terrorism (CFT), sanctions, and fraud. This role provides independent, ongoing monitoring to ensure regulatory compliance, internal policy adherence, data integrity, and adequacy, effectiveness, and efficiency of internal controls. The role partners closely with the Financial Crime team, Compliance, Operations, and business line leaders to identify gaps, recommend corrective actions, and support continuous improvement of the Bank’s financial crimes risk management framework. Major Duties and Responsibilities - Support the design, maintenance, and execution of a comprehensive Financial Crime QA/QC framework. - Perform quality assurance reviews of Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering, Fraud Prevention, OFAC, Customer Identification Program, and Customer Due Diligence compliance for the Bank and its third-party partners, as applicable. - Recommend process and control improvements based on QA findings, regulatory guidance, and industry best practices. - Conduct root-cause analysis to identify systemic issues or procedural weaknesses. - Assist in the design, maintenance, and execution of a Financial Crime control framework and testing plan. - Aid in delivering a strong issues management program which will help in identifying potential gaps/opportunities, as well as addressing issues with a robust and timely action plan. - Validate adherence to internal policies, regulatory requirements, and procedural guidelines. - Support Fair Access Banking by ensuring controls and decisioning align with nondiscriminatory practices, consumer protection laws, and equitable access principles. - Maintain strong working knowledge of applicable regulations including BSA/AML, USA Patriot Act, OFAC, FFIEC BSA/AML Examination Manual, fraud risk management expectations. - Assist in validating model and system settings related to AML and fraud monitoring tools. - Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Qualifications - 5+ years of experience in BSA/AML, fraud, risk, controls, or QA within a banking or financial services environment. - Strong understanding of Financial Crime risk assessment frameworks. - Familiarity with Fair Access Banking principles, consumer protection laws, and regulatory expectations. - Strong analytical skills with experience reviewing complex monitoring alerts, investigations, and transactions. - Bachelor’s degree in Finance, Accounting, Business, Risk Management, or related field; or equivalent work experience. Interpersonal Skills - A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. - In-depth dialogues, conversations, and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. - Strong communication skills to develop good working relationships and to promote cooperation and compromise among various departments. - Ability to quickly adapt to changing environments, processes, and technologies. - Strong organizational skills. - Ability to maintain composure under pressure or adverse circumstances, using effective strategies for managing personal stress. - Ability to maintain personal and work direction when faced with ambiguity. ADA Requirements - Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. - Must be capable of climbing/descending stairs in an emergency situation. - Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. - Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. - Must be capable of regular, reliable, and timely attendance. Working Conditions - Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Mental and/or Emotional Requirements - Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. - Must be able to read and carry out various written instructions and follow oral instructions. - Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. - Must be able to speak clearly and deliver information in a logical and understandable sequence. - Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization. - Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. - Must be capable of exercising the highest level of discretion on both internal and external confidential matters. EEO Statement It is the policy of Vast Bank to afford equal opportunity in all phases of employment without regard to an individual’s race, color, creed, religion, gender, national origin, age, disability, marital status, ancestry, sexual orientation, unfavorable military discharge for qualified individuals with disabilities, and for qualified disabled veterans and veterans of the Vietnam era, to the extent required by applicable local, state and federal law. Benefits - Comprehensive benefits package & 401(k) match - Professional development - opportunities for advancement! - Tuition assistance - Transit reimbursement - Paid time off - & more!

Role Description - Holistic Alert Analysis: - Responsibility for the professional review and evaluation of alerts in the areas of Sanctions, PEP (Politically Exposed Persons), and Adverse Media, taking into account internal and external guidelines. - Structured Escalation Management: - Identification of risk-relevant issues and their qualified escalation to specialized AFC departments for the final decision-making. - Operational Excellence: - Identification of optimization potentials and contribution to the continuous improvement of process efficiency and analysis quality. - KYC & Onboarding Verification: - Conducting sound document reviews during account openings and ensuring seamless identification of new clients in accordance with applicable KYC standards. This position is temporary for 2 years. Qualifications - You bring experience from a position in AML or KYC – we also welcome career changers from high-volume environments. - You feel comfortable working in a fast-paced environment. - You possess strong critical thinking and sound decision-making skills. - You have an effective and detail-oriented working style that strikes the perfect balance between quality and quantity. - You have a strong personal interest in Anti-Financial Crime; ideally, you have already gained professional experience in a regulated environment. - You are capable of prioritizing workflows and ensuring compliance with deadlines. - You speak fluent Italian and English (at least C1 level). Benefits - Be part of one of the fastest-growing and most visible Fintech startups in Europe, creating innovative services that have a substantial impact on the lives of our customers. - Work with an international, diverse, inclusive, and ever-growing team that loves creating the best products for our clients. - Be productive with the latest hardware and tools. - Learn and grow by joining our in-house knowledge sharing or career development sessions and spending your individual Education Budget. - Learn and experience German culture first hand by joining our free German language classes. - International relocation support is provided if required. - Opportunity to work from abroad. - Benefit from an attractive compensation package and from the company pension scheme. - Monthly contribution of 50% for the ‘Deutschland Jobticket’. - Say goodbye to order commissions and say hello to your complimentary subscription of Scalable Capital's PRIME+ Broker. - Enjoy flexible and discounted sports activities with Urban Sports Club.