Senior Financial Crime Investigator

Location: Milton Keynes (Fully On-Site)

Are you ready to take the next step in your career within a regulated financial services environment - with a pathway to Deputy MLRO?

We are seeking a driven and experienced Senior Financial Crime Investigator to join our growing Compliance team at  This role offers the opportunity to work closely with the UK Money Laundering Reporting Officer (MLRO), with a clear development path towards a Deputy MLRO position for the right candidate.

This is an exciting opportunity for a highly capable investigator who can apply sound judgement, take ownership of complex cases, and help strengthen Viva’s UK financial crime framework in a fast‑paced fintech environment.

is Europe’s firstacquirerpowering merchant payments acceptance across 29 countries and over 1,215 devices. In the UK, Viva.comoperatesas an E-Money Institutionauthorisedby the Financial Conduct Authority (FCA), offering an omnichannel payments platform that empowers businesses of all sizes to accept and manage payments — in-store, online, or on the go.

leads in Tap on Any Device technology, offers a high‑conversion Smart Checkout for online payments, and provides a robust marketplace solution, enabling flexible, scalable, and future‑proof payment journeys tailored to every business model. All technology is built in-house on Microsoft Azure, ensuring speed, security, and innovation at scale.

Through its direct connections to local payment schemes and alternative payment methods,  supports 40+ payment options. Key features include Real‑Time Settlement, Offline Payments, acceptance fees as low as 0% with the use of ’s business debit card, and Merchant Advance.

With a growing ecosystem of 450+ tech partner‑innovators,  is leading the shift to All‑in‑One business solutions, empowering merchants to adopt cutting‑edge technology seamlessly and scale their business with ease.

Learn more at

This is a senior, hands‑on role combining complex investigative work with oversight responsibilities, quality assurance, stakeholder engagement, and continuous control improvement.

You will investigate high‑risk and complex AML matters, provide expert guidance across the business, support the effectiveness of Viva’s financial crime controls, and act as a senior escalation point within the team.

The role is fully on‑site in Milton Keynes to support close collaboration, mentoring, and knowledge sharing across Compliance, Product, Operations, and Technology teams.

• Conduct complex financial crime investigations involving AML, CTF, sanctions, and suspicious activity concerns.
• Review and assess alerts generated through transaction monitoring systems, sanctions screening, onboarding reviews, and internal escalations.
• Apply prior AML and investigations experience to live cases rather than relying solely on scripts, default rules, or checklist‑based outcomes.
• Produce clear, concise, evidence‑based, and regulator‑defensible investigation reports, case rationales, and decision records.
• Make balanced, judgement‑based decisions aligned to Viva’s risk appetite rather than defaulting to overly cautious outcomes.
• Identify emerging financial crime typologies, trends, and control weaknesses, escalating concerns and recommending improvements where appropriate.
• Support thematic reviews, ongoing monitoring activities, and financial crime control effectiveness assessments.

• Provide risk‑based guidance and challenge to frontline and first‑line teams on AML, CDD, EDD, sanctions, and broader financial crime matters.
• Review first‑line risk decisions for consistency with internal policy, regulatory obligations, and risk appetite.
• Act as a senior escalation point and subject matter expert for complex, high‑risk, or sensitive onboarding and due diligence cases.
• Answer escalations from investigators and stakeholders across the business and escalates further where required.
• Conduct or support quality assurance reviews on case decisions and provide constructive feedback to improve consistency and decision quality.
• Deputise for the MLRO where required,…