Deputy MLRO

Compliance at Moss is the second line of defence for our regulated entity, Moss GmbH, a licensed e-money institution under the ZAG. You'll cover the full breadth of our mandate - AFC/AML, regulatory compliance (ZAG-MaRisk), and card fraud - and act as a genuine deputy to our Director of Compliance / MLRO. After a successful probation period, you will be appointed Deputy MLRO and Deputy Compliance Officer.

What you'll do

• Contribute to and quality-assure the AFC risk analysis, 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.
• Develop and continuously improve our compliance management system and written procedures.
• Advise business units on the regulatory implications of new products and services.
• Actively use AI to improve how compliance work gets done and build n8n-workflow automations and Claude skills.

What you'll need

• 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, CCO, 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).

What they offer

• Top-of-market compensation package, including equity.
• 20 days "work from abroad".
• 600 EUR/GBP Learning & Development Budget.
• Vibrant offices with in-person collaboration and Friday demos.