Senior AFC Manager / Deputy MLRO (f/m/d)

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.

Join our Compliance department as Senior AFC Manager / Deputy MLRO (stellvertretende:r Geldwäschebeauftragte:r) (f/m/d). This role will be instrumental in optimizing our anti-financial crime framework, enabling Moss to grow securely while maintaining trust with customers and regulators in an ever-evolving fintech landscape.

Your responsibilities. 

• You work on implementation of the new EU AML regulation and steadily improve our compliance processes, ensuring alignment with industry best practices and regulatory standards.

• You support the development of our AFC risk analysis, the MLRO Report, and further regulatory assessments, as well as conduct spot checks on our implemented AFC measures (2nd level).

• You conduct regular transaction monitoring to identify, investigate, and report suspicious activities (SAR).

• You perform and oversee PEP, Sanction, and Adverse Media Screening processes to ensure compliance with regulatory requirements.

• You provide guidance and training to the KYC operations team and other departments, fostering compliance awareness and address the regulatory implications of new products and services.

• You support the MLRO in maintaining a solid relationship with auditors and regulators.

About you

• Significant experience in compliance, anti-money laundering, or financial crime prevention roles (e.g. as Compliance Officer or AML Analyst), preferably within banking, fintech, or financial services.

• Comprehensive knowledge of the German AML law (Geldwäschegesetz) and BaFin's interpretation and application guidelines (Auslegungs- und Anwendungshinweise), with familiarity with international standards like FATF and EBA Guidelines.

• Proficiency in German (C1); fluency in English (C1).

• A degree in finance, law, or a related field; certifications such as ACAMS or ICA are a plus.

In addition, here are the skills and attributes we are looking for: 

Forward-thinking: you approach and view compliance strategically, as a growth enabler, leveraging compliance frameworks to support innovation and drive business opportunities for impact.

Solution-oriented: you have a proactive and solutions-oriented mindset, with the ability to address challenges efficiently and innovatively 

Analytical: you demonstrate strong analytical skills and attention to detail to effectively evaluate risks and ensure compliance. 

Collaborative: you are an excellent communicator, who engages effectively with internal teams and external stakeholders, while fostering cross-functional collaboration to drive organizational success.

Enthusiastic Learner: you are committed to staying informed about regulatory changes and ensuring their seamless integration into Moss's operations.

About Moss

Moss is a SaaS scale-up founded in Berlin, with a team of 250+ people from 40+ nationalities in 6 offices across Europe. 

Our ambition is bold: to power every SMB’s spend across Europe - fully digital, AI-driven, and seamlessly integrated for complete control. To date, over 3700 businesses in Germany, Netherlands and the UK use Moss’ leading spend management product, with modules such as corporate cards, accounts payables, employee cash reimbursements and procurement