Compliance & AML Officer (German Branch)

MLRO of German Branch (Geldwäschebeauftragter) (m/f/d)

Vivid

ABOUT THE ROLE This is a combined role covering two closely related responsibilities: acting as the appointed MLRO (Geldwäschebeauftragter) for Germany, and running Vivid's German branch from a regulatory standpoint, i.e. being formal legal representative of the branch. Your main reporting line will be to the Head of AML/CTF Operations. YOUR MISSION AML & financial crime * Report suspicious activities (SAR/STR) to the local FIU and ensure timely, accurate and complete submissions. * Act as the primary point of contact for competent authorities, including the FIU and regulators, and manage all related interactions. * Collaborate closely with Group Compliance to ensure alignment with group standards, policies and risk appetite. * Own and maintain local AML processes for onboarding and ongoing monitoring, ensuring they are applied consistently and effectively – with a particular focus on SME clients. * Escalate, assess and decide on complex or high-risk cases. * Ensure all AML processes, policies and controls remain compliant with local regulatory requirements. * Identify deficiencies in AML processes and take corrective action where needed. * Contribute to regulatory reporting and support audits or regulatory requests where required.  Regulatory & branch * Represent the German branch to competent authorities – regulatory correspondence, supervisory visits, audits. * Keep the branch's regulatory standing up to date and ensure ongoing compliance with local licensing requirements. * Monitor regulatory developments in Germany and the EU, assess impact and coordinate implementation with Group teams.  YOUR PROFILE * At least 5 years of hands-on AML/compliance experience, including handling real customer cases, escalations and suspicious activity reporting. * Proven experience with SAR/STR reporting and interaction with FIUs or regulators. * Strong understanding of AML risks related to SME / business clients. * Solid working knowledge of German AML and financial regulation. * Ability to take ownership and make decisions in high-risk or ambiguous situations. * Well-structured, independent and comfortable operating under regulatory scrutiny. * Fluent in German and English, both written and spoken. * Prior experience as MLRO (Geldwäschebeauftragter) is a plus.  WHY JOIN VIVID? * Work from our modern Berlin office with an ambitious, experienced team.  * Vivid Prime account free of charge. * Sports compensation. * Learning & development budget to support your professional growth. * This is a senior-level position with a competitive salary and benefits package.  * Real growth prospects, significant responsibility, and the ability to make an immediate impact from day one! Enhance your expertise and shape the future of FinTech. Join Vivid's talented team and help us revolutionize how businesses think about their finances! COMPENSATION RANGE Final compensation is determined individually, based on your experience, skills and the scope of the role, assessed against objective, gender-neutral criteria. ABOUT VIVID At Vivid, we're on a mission to change how businesses and individuals manage their money across Europe. For businesses, we build tools that actually make a difference: multi-IBAN accounts, high-yield savings, business cashback, team cards, and accounting integrations that save real time — all in one place. And for individuals, we offer a simple way to manage and grow your wealth: access to global stocks, ETFs and 150+ cryptocurrencies, cashback, and personalised financial insights. Our mission? Your success. Everyone deserves the chance to see their finances flourish, and we're dedicated to empowering our customers to make this a reality. Founded in 2019 in Berlin by Alexander Emeshev and Artem Iamanov, Vivid has quickly grown into one of Germany's top financial platforms for SMEs and private accounts. Since then, we've expanded rapidly across Europe, earning the trust of over 500,000 customers — and with over €200 million raised and a valuation of €775 million, we're just getting started. We're building Vivid as an AI-native organization — across every function, from product to compliance to operations. Automation handles a growing share of day-to-day execution. For us, this means our teams can focus on architecture, strategy, and high-impact decision-making. This changes how we work: less manual execution, more ownership in building systems that scale. We want to help define what AI-native looks like in a regulated financial environment — and we're looking for people who want to build that future with us.

(Senior) Information Security Officer (German)

Hawk

About Us  Hawk is the leading provider of AI-supported anti-money laundering and fraud detection technology. Banks and payment providers globally are using Hawk’s powerful combination of traditional rules and explainable AI to improve the effectiveness of their AML compliance and fraud prevention by identifying more crime while maximizing efficiency by reducing false positives. With our solution, we are playing a vital role in the global fight against Money Laundering, Fraud, or the financing of terrorism. We offer a culture of mutual trust, support and passion – while providing individuals with opportunities to grow professionally and make a difference in the world.  Your Mission: We are seeking a highly skilled and technically strong (Senior) Information Security Officer to join Hawk’s Information Security function. This role is critical to maintaining trust with our customers, supporting pre-sales and sales engagements, and ensuring Hawk remains compliant with security standards such as ISO 27001. You will act as a key technical and communication bridge between customers, auditors, internal teams, and our security tooling landscape. From managing security enquiries and RFPs to strengthening our ISMS and improving endpoint and access security, you will play a vital role in safeguarding Hawk’s platform, data, and operations. This is an ideal opportunity for someone who combines excellent communication skills and strong security fundamentals, with the ability to operate confidently with both technical and non-technical stakeholders. Fluent German is essential for this role due to regular engagement with German-speaking customers. Key Responsibilities: Customer & Pre-Sales Security Support * Respond to security questionnaires, RFPs, and due-diligence requests in collaboration with Sales and Pre-Sales. * Participate in customer calls to explain Hawk’s security posture and answer technical, compliance, and infrastructure-related questions. * Represent Hawk’s security capabilities clearly and confidently to regulated financial institutions. ISMS & Compliance (ISO 27001) * Support the ongoing operation and improvement of Hawk’s ISMS, ensuring alignment with ISO 27001 controls and underlying processes. * Assist in internal audits, evidence gathering, and risk assessments. * Help maintain certification readiness by driving documentation, process adherence, and corrective actions. Platform & 3rd-Party Security Oversight * Monitor the security posture of Hawk’s corporate tools, infrastructure, and integrations. * Support vendor assessments and due diligence for security-related tools. * Collaborate with Engineering, IT, and InfoSec to strengthen platform and enterprise security baselines. Cross-Functional Collaboration & Stakeholder Communication * Work closely with Information Security, IT, Engineering, Sales, Customer Success, and Procurement teams. * Translate complex technical and security concepts into clear explanations for both technical and non-technical audiences. * Contribute to internal security awareness, documentation, and operational processes. Your Profile: Technical Experience & Skills: * 5+ years of hands-on experience in Information Security, IT Security, or a related GRC role within a B2B tech or SaaS environment * Proven experience operating and improving an ISMS aligned to ISO 27001, including policy development, risk assessments, internal audits, and certification maintenance * Working knowledge of additional regulatory and compliance frameworks — SOC 2, DORA, and NIS 2 * Solid understanding of IT security fundamentals: authentication, endpoint security, encryption, network basics * Good technical competence across multiple operating systems (macOS, Windows, Linux) * Experience coordinating with external auditors, certification bodies, and regulators * Relevant certifications highly desirable (e.g., ISO 27001 Lead Implementer/Auditor, CISSP, CISM, CRISC, CompTIA Security+) Communication & Stakeholder Management: * Fluent German and English — mandatory due to regular engagement with German-speaking customers, auditors, and regulators * Ability to articulate complex security and compliance topics clearly to diverse audiences (engineers, customers, auditors, leadership) * Strong documentation skills with attention to accuracy, consistency, and audit-readiness Bonus: * Experience with identity and access management tools (e.g., JumpCloud, Okta), MDM solutions, and enterprise security platforms * Exposure to 3rd-party risk management, vendor security assessments, or SaaS security tooling * Experience supporting security questionnaires, RFPs, or due-diligence calls with regulated financial customers * Familiarity with data protection requirements (GDPR) in a security context * A proactive, structured, and collaborative approach with the ability to balance multiple priorities in a fast-paced environment

Money Laundering Reporting Officer (f/m/d)

Raisin

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team Join the Anti-Financial Crime (AFC) department as our MLRO/GwB. You will lead our mission to prevent, detect, and combat money laundering, terrorism financing, and fraud. As the primary contact for BaFin and the FIU, you ensure Raisin Bank meets Geldwäschegesetz (GwG) and Kreditwesengesetz (KWG) requirements. In this role, you collaborate with a team of experts to develop internal guidelines, oversee control mechanisms, and manage training programs to ensure group-wide AFC compliance and integrity. Your Responsibilities * Regulatory Liaison: Act as the primary interface with the BaFin and the Financial Intelligence Unit (FIU). * Policy Development: Design, implement, and maintain internal AFC policies, ensuring they reflect the latest updates to the GwG and AuA. * Risk Management: Conduct and regularly update the group’s annual risk analysis to identify institutional risks related to money laundering and fraud. * Monitoring & Investigation: Oversee the transaction monitoring systems and conduct manual investigations into high-risk accounts or complex structures. * Advisory: Provide expert guidance to the Board and business units on high-risk client onboarding (PEP, High-Risk Jurisdictions) and the compliance implications of new products. * Training: Develop and deliver mandatory AML/CTF training programs for all employees to foster a robust culture of compliance. * Auditing: Coordinate with internal and external auditors during annual § 25h KWG audits. Your Profile * Minimum 2-5 years of relevant professional experience as an MLRO or Deputy MLRO within a bank. * Expert knowledge of statutory requirements, particularly the German Money Laundering Act (GwG), BaFin AuA, AML Regulation, EBA Guidelines, and the German Banking Act (KWG). * Deep expertise in the areas of KYC, customer identification, and complex risk rating methodologies. * Proven experience in defending risk analyses before boards of management and supervisory authorities. * Hands-on mentality and independent, proactive action paired with high entrepreneurial drive * Strong analytical and conceptual skills combined with high decision making authority regarding technological innovations. * Highest degree of integrity, a sense of responsibility, and the personal reliability required for a key function. * Excellent communication and negotiation skills in both German and English. Join our mission, join our team – and grow with us! At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities. As part of our team, you will benefit from: * Employee Development Budget of €2,000 and four full training days per year. * Flexible working hours, home office and 30 vacation days. * A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%. * Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.  * Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month. * Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs. * Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office. * You are moving from another country or city to join us? We may support your relocation. Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.