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About the Role

Compliance at Moss acts as the second line of defense for our regulated entity, Moss GmbH, a licensed e-money institution under the ZAG. We ensure Moss remains safe and trusted during its scaling phase, viewing compliance as a growth enabler. This senior individual contributor role offers significant scope, autonomy, and regulatory responsibility, with the opportunity to become Deputy MLRO and Deputy Compliance Officer after a successful probation period.

Responsibilities

• Contribute to and quality-assure the AFC risk analysis, MLRO report, and further regulatory assessments.
• Perform second-level controls and spot checks on AFC measures.
• Investigate transactions, monitor transactions, file SARs, and assess EDDs.
• Own and strengthen card-fraud detection and monitoring, including rule optimization.
• Improve the operational disputes and chargeback process, taking a leading role.
• Develop and continuously improve the compliance management system and written procedures, including implementing the new EU AML Regulation.
• Advise business units on the regulatory implications of new products and services.
• Actively use AI to enhance compliance workflows and build automations.
• Provide guidance and training to KYC Operations and other teams, building compliance awareness across Moss.

Requirements

• Strong hands-on experience (typically 3+ years) in AML / financial crime / compliance, ideally in payments, e-money, fintech, or banking.
• Experience with real casework, escalations, and SAR reporting.
• Proven track record of complex project management across multiple stakeholders.
• Comprehensive knowledge of relevant Money Laundering Regulation (AMLR, GwG, FATF, EBA Guidelines, etc.).
• German and English at least at C1 level, both written and spoken.
• Experience using AI to improve real workflows with concrete examples and measurable impact.
• Track record of building automations/agents/tooling (n8n, Claude skills, or similar) is a strong plus.

Skills

• Anti-Financial Crime (AML & CTF)
• Card Fraud detection and monitoring
• Compliance management system development
• Regulatory advice
• AI workflow automation
• Transaction monitoring
• SAR reporting
• Risk analysis
• Project management
• AI tooling (n8n, Claude skills)

Location

• Berlin
• Europe

Work Type

• Full-time

Experience Level

• Senior

Education Level

• A degree in law, finance, business, or a related field (nice to have)

Salary/Compensations

• Top-of-market compensation package, including equity

Benefits

• Equity
• 20 days “work from abroad”
• 600EUR/GBP Learning & Development Budget
• Local benefits
• Weekly breakfasts
• Friday demos

About the Company

• Moss is a SaaS scale-up founded in Berlin, with a team of 300+ people from 50+ nationalities in 5 offices across Europe.
• Our ambition is to power every SMB’s spend across Europe - fully digital, AI-driven, and seamlessly integrated for complete control.
• Over 5000 businesses in Germany, Netherlands and the UK use Moss’ leading spend management product.
• Moss has raised a total of €180 million in funding and is backed by renowned tech investors.
• We foster a culture that thrives on impact and speed, where employees can take bold moves, learn fast, and accomplish more.

Equal Opportunity

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