Deputy MLRO (f/m/d)
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....