Deputy MLRO (f/m/d)

<p style="min-height:1.5em"><strong>At Moss, we give finance professionals the power to automate their day-to-day and make forward-thinking decisions.</strong></p><p style="min-height:1.5em"><strong>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 </strong><a target="_blank" rel="noopener noreferrer nofollow" href="https://sifted.eu/rankings/b2b-saas-rising-100-2024"><strong><u>Sifted’s Rising 100</u></strong></a><strong> and </strong><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.linkedin.com/pulse/linkedin-top-startups-2024-20-aufstrebende-unternehmen-bjd0c/"><strong><u>LinkedIn's Top Startups</u></strong></a><strong>, we’re here to help propel your career and together, make Moss a lasting success.</strong></p><h2><strong>About the role</strong></h2><p style="min-height:1.5em">Compliance at Moss is the second line of defence for our regulated entity, <strong>Moss GmbH</strong>, 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.</p><p style="min-height:1.5em">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.</p><p style="min-height:1.5em">After a successful probation period, you will be appointed <strong>Deputy MLRO </strong>(<em>stellv. Geldwäschebeauftragte:r, § 7 GwG</em>) and <strong>Deputy Compliance Officer </strong>(<em>stellv. Compliance-Beauftragte:r, ZAG-MaRisk</em>).</p><p style="min-height:1.5em">This is a senior individual-contributor role with real scope, autonomy, and regulatory responsibility.</p><p style="min-height:1.5em"></p><h2><strong>What you'll do</strong></h2><p style="min-height:1.5em"></p><p style="min-height:1.5em"><strong>Anti-Financial Crime (AML &amp; CTF)</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Contribute to and quality-assure the AFC risk analysis (§ 5 GwG), the MLRO report, and further regulatory assessments.</p></li><li><p style="min-height:1.5em">Perform second-level controls and spot checks on our AFC measures.</p></li><li><p style="min-height:1.5em">Investigate hand-on, monitor transactions, file SARs, assess EDDs.</p></li></ul><p style="min-height:1.5em"><strong>Card Fraud</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Own and strengthen our card-fraud detection and monitoring, including rule optimisation.</p></li><li><p style="min-height:1.5em">Improve the operational disputes and chargeback process. This is a focus area where we expect you to lead.</p></li></ul><p style="min-height:1.5em"><strong>Compliance (ZAG-MaRisk)</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Develop and continuously improve our compliance management system and written procedures (SFO) - including implementation of the new EU AML Regulation.</p></li><li><p style="min-height:1.5em">Advise business units on the regulatory implications of new products and services (NPP).</p></li></ul><p style="min-height:1.5em"><strong>Process &amp; AI</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">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.</p></li><li><p style="min-height:1.5em">Provide guidance and training to KYC Operations and other teams, building compliance awareness across Moss.</p><p style="min-height:1.5em"></p></li></ul><h2><strong>What you bring:</strong></h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em">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.</p></li><li><p style="min-height:1.5em">Proven track record of complex project management across multiple stakeholders.</p></li><li><p style="min-height:1.5em">Comprehensive knowledge of relevant Money Laundering Regulation (AMLR, GwG, FATF, EBA Guidelines, etc.).</p></li><li><p style="min-height:1.5em">German and English at least at C1 level, both written and spoken.</p><p style="min-height:1.5em"></p></li></ul><h2><strong>Nice to have</strong></h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Relevant certification such as CCP (Certified Compliance Professional), CCO (Certified Compliance Officer), ACAMS/CAMS, or an equivalent AML/fraud qualification.</p></li><li><p style="min-height:1.5em">A mix of in-house fintech/bank, consultancy and/or auditor experience.</p></li><li><p style="min-height:1.5em">Direct exposure to card-scheme fraud, transaction-monitoring tooling, and data/analytics (e.g. SQL, Metabase).</p></li><li><p style="min-height:1.5em">A degree in law, finance, business, or a related field.</p><p style="min-height:1.5em"></p></li></ul><h2><strong>AI at Moss</strong></h2><p style="min-height:1.5em">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.</p><p style="min-height:1.5em"></p><p style="min-height:1.5em"><strong>About Moss</strong></p><p style="min-height:1.5em">Moss is a SaaS scale-up founded in Berlin, with a team of 300+ people from 50+ nationalities in 5 offices across Europe. </p><p style="min-height:1.5em">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 Moss’ leading spend management product, with modules such as <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.getmoss.com/corporate-credit-card"><u>corporate cards</u></a>, <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.getmoss.com/accounts-payable"><u>accounts payables</u></a>, employee cash <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.getmoss.com/reimbursements"><u>reimbursements</u></a> and <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.getmoss.com/procurement"><u>procurement</u></a>.</p><p style="min-height:1.5em">Moss 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.</p><p style="min-height:1.5em">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 <strong>what else to expect:</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Top-of-market compensation package, including equity. </p></li><li><p style="min-height:1.5em">Our vibrant offices are at the heart of our culture, where in-person time fuels collaboration and connection over weekly breakfasts and Friday demos.</p></li><li><p style="min-height:1.5em">Additional benefits include: 20 days “work from abroad”, 600EUR/GBP Learning &amp; Development Budget, and other local benefits.</p></li></ul><p style="min-height:1.5em"><em>Unless stated otherwise, benefits apply to full-time positions (interns and working students receive a tailored package).</em></p><p style="min-height:1.5em"><em><strong>By applying for the above position, you will confirm that you have reviewed and agreed to our </strong></em><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.getmoss.com/privacy-policy"><em><strong><u>Data Privacy Policy</u></strong></em></a><em><strong>.</strong></em></p><p>Find <a href="https://www.arbeitnow.com">Jobs in Germany</a> on Arbeitnow</a>