Germany
EuropeDeputy MLRO (f/m/d)
3 нед. назад
GermanyEuropeSeniorHybrid
amlcomplianceregulatory reportinganti-financial crime
Senior compliance and anti-financial crime professional responsible for regulatory compliance, AML/CTF, and acting as deputy MLRO in a regulated e-money institution.
Обязанности
- Compliance at is the second line of defence for our regulated entity, GmbH , a licensed e-money institution under the ZAG. We keep safe and trusted as it scales - and we treat compliance as an enabler of growth, not a brake.
- We're looking for an experienced AFC and compliance professional to join our small, high-ownership Compliance team and work directly alongside our Director of Compliance / MLRO. You'll cover the full breadth of our mandate - AFC/AML, regulatory compliance (ZAG-MaRisk), and card fraud - and act as a genuine deputy: someone who can step in and represent the function end-to-end.
- After a successful probation period, you will be appointed Deputy MLRO ( stellv. Geldwäschebeauftragte:r, § 7 GwG ) and Deputy Compliance Officer ( stellv. Compliance-Beauftragte:r, ZAG-MaRisk ).
- This is a senior individual-contributor role with real scope, autonomy, and regulatory responsibility.
Требования
- Strong hands-on experience (typically 3+ years) in AML / financial crime / compliance, ideally in payments, e-money, fintech, or banking - including real casework, escalations, and SAR reporting.
- Proven track record of complex project management across multiple stakeholders.
- Comprehensive knowledge of relevant Money Laundering Regulation (AMLR, GwG, FATF, EBA Guidelines, etc.).
- German and English at least at C1 level, both written and spoken.
Будет плюсом
- Relevant certification such as CCP (Certified Compliance Professional), CCO (Certified Compliance Officer), ACAMS/CAMS, or an equivalent AML/fraud qualification.
- A mix of in-house fintech/bank, consultancy and/or auditor experience.
- Direct exposure to card-scheme fraud, transaction-monitoring tooling, and data/analytics (e.g. SQL, Metabase).
- A degree in law, finance, business, or a related field.
Другое
- At , we give finance professionals the power to automate their day-to-day and make forward-thinking decisions.
- Our team and culture make us unique — we’re driven by impact and growth, where every one of us strives to learn and excel. Recognised by Sifted’s Rising 100 and LinkedIn's Top Startups , we’re here to help propel your career and together, make a lasting success.
- Contribute to and quality-assure the AFC risk analysis (§ 5 GwG), the MLRO report, and further regulatory assessments.
- Perform second-level controls and spot checks on our AFC measures.
- Investigate hand-on, monitor transactions, file SARs, assess EDDs.
- Own and strengthen our card-fraud detection and monitoring, including rule optimisation.
- Improve the operational disputes and chargeback process. This is a focus area where we expect you to lead.
- Develop and continuously improve our compliance management system and written procedures (SFO) - including implementation of the new EU AML Regulation.
- Advise business units on the regulatory implications of new products and services (NPP).
- Actively use AI to improve how compliance work gets done - and, over time, build and share n8n-workflow automations and Claude skills that make our AFC and compliance processes faster and more scalable.
- Provide guidance and training to KYC Operations and other teams, building compliance awareness across .
- AI is core to how we work. For this role we expect an "AI Driver": you already use AI to improve real workflows (not just personal productivity), can point to concrete before/after examples with measurable impact, and share what works with the team. A track record of building automations/agents/tooling (n8n, Claude skills, or similar) is a strong plus - and if you're not there yet, we'll actively support you in getting there. In the process you can expect a short practical case study.
- is a SaaS scale-up founded in Berlin, with a team of 300+ people from 50+ nationalities in 5 offices across Europe.
- Our ambition is bold: to power every SMB’s spend across Europe - fully digital, AI-driven, and seamlessly integrated for complete control. To date, over 5000 businesses in Germany, Netherlands and the UK use ’ leading spend management product, with modules such as corporate cards , accounts payables , employee cash reimbursements and procurement .
- has raised a total of €180 million in funding and is backed by the most renowned tech investors including Valar Ventures, Tiger Global, Global Founders Capital, Cherry Ventures and A-Star.
- Be part of a culture that thrives on impact and speed, where you can take bold moves, learn fast and accomplish more. We’re a place where you can fast track your career - here's what else to expect:
- Top-of-market compensation package, including equity.
- Our vibrant offices are at the heart of our culture, where in-person time fuels collaboration and connection over weekly breakfasts and Friday demos.
- Additional benefits include: 20 days “work from abroad”, 600EUR/GBP Learning & Development Budget, and other local benefits.
- Unless stated otherwise, benefits apply to full-time positions (interns and working students receive a tailored package).
- By applying for the above position, you will confirm that you have reviewed and agreed to our Data Privacy Policy .