Deputy MLRO (f/m/d)

Job description

At Moss, 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 https://sifted.eu/rankings/b2b-saas-rising-100-2024 and LinkedIn's Top Startups https://www.linkedin.com/pulse/linkedin-top-startups-2024-20-aufstrebende-unternehmen-bjd0c/, we’re here to help propel your career and together, make Moss a lasting success. ABOUT THE ROLE 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. WHAT YOU'LL DO Anti-Financial Crime (AML & CTF) - 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. Card Fraud - 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. Compliance (ZAG-MaRisk) - 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). Process & AI - 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. WHAT YOU BRING: - 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. 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. AI AT MOSS 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. About Moss Moss 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 Moss’ leading spend management product, with modules such as corporate cards https://www.getmoss.com/corporate-credit-card, accounts payables https://www.getmoss.com/accounts-payable, employee cash reimbursements https://www.getmoss.com/reimbursements and procurement https://www.getmoss.com/procurement. 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. 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 https://www.getmoss.com/privacy-policy.