AML Oversight Working Student

Bitpanda

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!     YOUR MISSION As Senior Specialist Anti Money Laundering, you will be responsible for ensuring a robust, effective and scalable AML/CFT and sanctions compliance framework for Bitpanda’s activities in Germany. You will act as the key senior AML specialist in Germany, ensuring compliance with the German Money Laundering Act, BaFin expectations, FIU requirements, applicable EU AML/CFT rules, the Transfer of Funds Regulation / Travel Rule, and Bitpanda Group standards. WHAT YOU’LL DO * Support the AMLO: Deputise for the appointed AMLO/Geldwäschebeauftragter and manage regulatory reporting, correspondence, and interactions with BaFin, FIU, and auditors. * Ensure Regulatory Alignment: Maintain compliance with the German GwG, BaFin guidance, FIU expectations, MiCAR, MiFID, EU Transfer of Funds Regulation, and sanctions. * Execute AML Control Framework: Design, execute, and test second-level AML controls, while tracking and remediating any audit or internal findings. * Oversee High-Risk Compliance: Manage PEPs, high-risk customer reviews, Source of Funds/Wealth assessments, transaction monitoring, sanctions escalations, and onboarding decisions. * Drive Automation & Audits: Support internal/external audits, ensure robust documentation trails, and collaborate with cross-functional teams to automate workflows and data-led processes. WHO YOU ARE * Experienced AML Professional: Bring 3–6 years of hands-on AML/CFT experience in financial services, fintech, payments, or crypto (ideally as a deputy MLRO or senior analyst). * Regulatory Expert: Hold a solid working knowledge of German GwG, BaFin expectations, FIU reporting, MiCAR, MiFID, EU Travel Rule, and crypto-asset services. * Crypto Risk Savvy: Understand crypto-native financial crime risks, including self-hosted wallets, blockchain analytics, mixers, bridges, and sanctions evasion. * Process & Stakeholder Oriented: Able to translate regulations into scalable, automated processes and confidently interact with senior management, regulators, and cross-functional teams. * Language: Fluency in both English and German.   WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).

Sumup

TEAM DESCRIPTION The Risk AI Engineering Squad is a cross-functional team within the Risk & Compliance tribe,  responsible for developing cutting-edge data products and ML solutions that power Transaction Monitoring and protect our merchant base from Money Laundering and Financial Crime. We combine automation, AI, and engineering excellence to build innovative products that empower Risk and AML teams to work smarter, faster, and more efficiently. The Senior Data Scientist role is critical to advancing our transaction monitoring capabilities through machine learning, feature engineering, and scalable model pipelines. You will work across the full model lifecycle — from typology understanding and data exploration to feature development, training, validation, deployment, and monitoring — helping ensure our Risk and AML controls remain effective, auditable, and compliant across products and markets. We actively welcome applications from women and people from underrepresented backgrounds. Diverse perspectives make our team stronger and our systems more robust. If you're motivated by technical depth, real-world impact, and the challenge of making ML work reliably in a high-stakes environment, this role is built for you. Join us to shape the future of financial safety and make a lasting impact! WHAT YOU'LL DO * Build and ship production ML systems end to end: own and evolve end-to-end batch training pipelines, model versioning, monitoring, model deployment, and rollback for transaction monitoring models. * Build, maintain, and improve ML models for transaction monitoring, focusing on detection quality, operational efficiency, and regulatory compliance * Engineer features mapped to AML and Fraud typologies and suspicious behaviours, working closely with Risk investigators to translate domain knowledge into alerting logic and threshold calibration * Run sensitivity tests on synthetic datasets, produce ML governance artefacts such as model cards, and deliver audit-ready documentation to meet regulatory expectations * Own and evolve the AML Risk Score by analysing driver contributions, monitoring drift, running back-testing, and recommending improvements to features, logic, and thresholds * Partner with AML and Fraud Operations, Product, and Engineering to translate stakeholder needs into actionable, scalable data science solutions * Track and improve detection performance metrics, adapt solutions to regional compliance requirements, and contribute to system design documentation YOU'LL BE GREAT FOR THIS ROLE IF YOU HAVE… MUST HAVE * Production Python engineering: you write code that ships — you're comfortable with CI/CD, automated testing, versioning, and monitoring in a real production environment * End-to-end ML pipeline experience: demonstrated experience deploying and operating ML models in production, including drift monitoring and rollback * Modelling and productionalizing models: demonstrated experience training ML models, choosing appropriate KPIs and metrics for evaluation. * Data engineering fundamentals: hands-on experience with complex, multi-source data ecosystems, data quality, and lineage * Clear, confident communication: ability to align cross-functional stakeholders, set expectations, and turn ambiguous compliance requirements into a concrete technical plan NICE TO HAVE * Experience with Pyspark * Experience in AML, fraud detection, or financial crime domains * Unsupervised machine learning (e.g. anomaly detection, clustering) * Familiarity with Feature Stores and alerting threshold calibration * Experience producing regulatory ML governance artefacts (model cards, audit documentation) * Experience with AI systems and tooling WHY YOU SHOULD JOIN SUMUP * 🌎 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Berlin office. This involves an office-first setup * 🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced * 🚀 Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success * 📚 A dedicated annual L&D budget of €2,000 for your individual development, which can be used to attend conferences and/or advance your career through further education * 💶 A corporate pension scheme where we match up to 20% of your contributions * 🏖️ Generous time off: enjoy 28 days of paid leave plus public holidays and special leave days * 💪 Numerous other benefits such as Urban Sports Club subsidy, Kita placement assistance, and subsidised office lunches * 🌴 Break4me: 1-month sabbatical after 3 years of service * 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team ABOUT SUMUP Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 37 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify. SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our careers website, and follow our journey on LinkedIn, Instagram, and TikTok. Job Application Tip We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.

Sumup

The Verification squad sits at the heart of SumUp's ability to operate across 37 markets. We own the systems that determine whether a merchant's identity is verified, whether that verification meets the regulatory bar in every market we operate in, and whether the decisions made along the way are auditable and defensible. This isn't a coordination role — it's a high-ownership position where you'll set the product direction for a domain that is legally complex, strategically important, and actively transforming. If you want to own something that genuinely matters — where your decisions shape compliance outcomes, merchant experience, and platform capability simultaneously — this is that role. WHAT YOU'LL DO * Define and lead the product strategy for the verification platform, sequencing compliance obligations, platform modernisation, and merchant experience improvements with clear intent * Own the regulatory surface across multiple markets — monitoring evolving KYC/KYB, AML, and eIDAS requirements and converting them into structured, buildable scope before they become blockers * Make the hard calls where UX and backend decisions conflict, holding coherence across the full product surface and owning the outcome when trade-offs are required * Run lean, autonomous discovery — synthesising user research, data signals, and regulatory guidance into decision-ready artefacts independently * Co-lead the squad alongside a strong Engineering Manager, driving platform modernisation and reducing technical debt deliberately YOU'LL BE GREAT FOR THIS ROLE IF * Proven experience as a product manager in a regulated fintech or financial services environment, with direct ownership of KYC, KYB, or identity verification products across multiple markets * Strong ability to manage complex, multi-stakeholder environments — including Legal, AML, Compliance, Risk, and Operations — negotiating scope with credibility and care, and holding the line when it matters * Technical depth to interrogate backend architecture decisions, API design trade-offs, and third-party vendor capabilities, and to make coherent product calls across the full stack * Data fluency: comfortable defining metrics, interrogating dashboards, and using quantitative signals to inform prioritisation and planning * Track record of arriving at planning conversations with evidence-backed proposals and the organisational confidence to defend them WHY YOU SHOULD JOIN SUMUP * 🌍 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our modern Sofia office. This involves an office-first setup * 🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced * 🚀 Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success * 📚 A dedicated annual L&D budget of €2000 and 10 paid days of educational leave which can be used to attend conferences and/or advance your career through further education * 🏖 Generous time off: 25 days of paid leave, plus one extra day per year of service (up to 35), along with public holidays and special leave options * 🏥 Peace of mind: additional health insurance and life insurance * 💪 Stay active: on-site yoga and a co-sponsored Multisport card offering access to hundreds of sports facilities * 🍽 Meal support: benefit from a tax-free food voucher program plus flexibility via our Re:Benefits platform * 🚌 Easy commute: free shuttle buses connecting directly to Joliot-Curie metro station * 🌴 Break4me: 1-month sabbatical after 3 years of service * 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team ---------------------------------------------------------------------------------------------------------------------------------- ABOUT SUMUP Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 37 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify. SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our careers website, and follow our journey on LinkedIn, Instagram, and TikTok. Job Application Tip We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.