Deputy MLRO (f/m/d)

Compliance at Moss is the second line of defence for our regulated entity, Moss GmbH, a licensed e-money institution under the ZAG. We keep Moss 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.

Responsibilities

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 hands-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; 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 Moss

Requirements

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; 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

Nice to have

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; A track record of building automations/agents/tooling (n8n, Claude skills, or similar) is a strong plus

Benefits

Top-of-market compensation package, including equity; Vibrant offices are at the heart of our culture, where in-person time fuels collaboration and connection over weekly breakfasts and Friday demos; 20 days "work from abroad"; 600EUR/GBP Learning & Development Budget; Other local benefits