Geldwäschebeauftragter (Lux/DE) (m/w/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.

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).

Mobility Concept

SO BRINGST DU DEINE PS AUF DIE STRASSE * Du übernimmst die fachliche und disziplinarische Leitung der Bereiche Legal und Compliance, entwickelst diese strategisch weiter und stellst eine effiziente, praxisnahe Rechtsberatung sowie ein wirksames Compliance-Management-System inklusive Richtlinien, Prozessen und Kontrollen sicher. * Dabei verantwortest du das gesamte Vertrags-, Rechts- und Compliance-Management – von der Gestaltung und Verhandlung komplexer Leasing-, Finanzierungs- und Kooperationsverträge über die Steuerung von Streitigkeiten, Prüfungen und externen Kanzleien bis hin zur Identifikation, Bewertung und Steuerung rechtlicher, regulatorischer und Compliance-Risiken. * Als zentrale Ansprechperson berätst du Geschäftsführung und Fachbereiche in allen rechtlichen und compliance-relevanten Fragestellungen, bereitest fundierte Entscheidungsgrundlagen auf und sorgst für die unternehmensweite Umsetzung gesetzlicher und aufsichtsrechtlicher Anforderungen, insbesondere in den Bereichen Leasingrecht, Bank- und Aufsichtsrecht sowie DSGVO, KWG, ZAG und MaRisk. * Du beobachtest rechtliche und regulatorische Entwicklungen, bewertest deren Auswirkungen auf das Geschäftsmodell und leitest daraus proaktiv Handlungsempfehlungen sowie geeignete Maßnahmen zur Risikominimierung ab. * Du konzipierst und steuerst Schulungs- und Sensibilisierungsmaßnahmen, förderst eine nachhaltige Compliance- und Integritätskultur und fungierst als Schnittstelle zu externen Stakeholdern wie Behörden, Prüfern, Verbänden und Kanzleien. DAS IST DEINE AUSSTATTUNG * Du bist Volljurist (m/w/d) mit erfolgreich abgeschlossenen Staatsexamina und verfügst über die Qualifikation als Fachanwalt für Bank- und Kapitalmarktrecht, idealerweise mit Schwerpunkt Leasing. * Mehrjährige Berufserfahrung in einer Kanzlei oder einem Unternehmen im Finanzdienstleistungs- oder Leasingumfeld sowie nachweisbare Führungserfahrung bilden die Grundlage für diese Position. * Du bringst fundierte Kenntnisse im Leasingrecht sowie im Bank- und Aufsichtsrecht (insbesondere KWG, ZAG) mit und setzt diese sicher in der Praxis ein. * Du erfüllst die fachlichen und persönlichen Voraussetzungen, um gegenüber der BaFin als Compliance Officer und stellvertretender Geldwäschebeauftragter bestellt und angezeigt zu werden. * Du überzeugst durch ausgeprägte analytische Fähigkeiten, eine strukturierte und lösungsorientierte Arbeitsweise sowie ein hohes Maß an unternehmerischem Denken. * Ein souveränes Auftreten gegenüber Geschäftsführung, Fachbereichen und externen Partnern sowie ausgeprägte Kommunikations- und Durchsetzungsstärke zeichnen dich aus. * Sehr gute Deutsch- und gute Englischkenntnisse runden dein Profil ab.   HIER IST UNSER SERVICEPAKET AN DICH * Freue dich auf ein motiviertes und freundliches Team, in dem wir uns alle auf Augenhöhe begegnen. * Mithilfe unseres individuellen Onboardings findest du dich schnell in unseren Prozessen zurecht und fühlst dich von Beginn an gut abgeholt. * Mit einer vergünstigten Mitgliedschaft beim eGym Wellpass unterstützen wir deine Gesundheit und dein Wohlbefinden. * Über das JobRad-Leasing kannst du dir dein Wunschfahrrad oder E-Bike sichern – nachhaltig und kostengünstig. * Genieße unsere monatlichen Pluxee-Gutscheine und löse sie flexibel bei vielen Partnern ein – von Sport und Einzelhandel bis hin zu Restaurants in deiner Nähe. * Wenn du gern flexibel arbeitest, kannst du dank unserer Homeoffice-Option problemlos auch mal von zu Hause aus tätig werden. * Du profitierst von kurzen Entscheidungswegen, viel Flexibilität im Arbeitsalltag und kleinen Extras wie Obst, Wasser sowie Kaffeevarianten aller Art. INTERESSIERT? DANN VEREINBARE DEINE PROBEFAHRT! Wir freuen uns auf deine Bewerbung über unsere Karriereseite oder per Mail an deine Ansprechpartnerin Julia König (personal@mobility-concept.de). Bei Fragen kannst du Julia gern unter der Nummer 0221/ 29 28 31 146 erreichen.