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 and LinkedIn's Top Startups , 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…