Job Description

ABOUT US

Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.

At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 700 experts of 55 different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience.

Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference.

Our offices: We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.

ABOUT THE TEAM

The Compliance Department in Luxembourg is actively seeking additional support to implement and conduct periodic controls effectively. We aim to launch projects that enhance compliance risk mitigation and develop strategies to improve adherence to regulatory requirements. Our current setup presents an opportunity to establish a proactive approach and increase efficiency in our processes. Some areas within the department require enhanced oversight to ensure meeting the expectations of the regulatory framework.

We must ensure that the company remains fully compliant with the Luxembourg Regulatory Framework in all its aspects.

What your work will look like

• Collaborate with the Chief Compliance Officer/MLRO on regulatory and compliance matters, offering insights for improvement.
• Report directly to the Chief Compliance Officer/MLRO, preparing comprehensive documentation for customer reviews and ensuring accuracy for MLRO approval.
• Partner with Operations, Risk, Product and Sales teams to embed AML/CFT requirements into day-to-day business activities. This includes managing escalations from the first line of defense and sales teams.
• Translate regulatory requirements, CSSF expectations and internal policies into clear and effective operational processes and controls.
• Review transaction alerts/patterns, sanctions, PEP and name-screening alerts, ensuring timely and well-reasoned escalations. Conduct CDD and EDD reviews for high-risk customers, complex ownership structures and other higher-risk scenarios.
• Lead AML/CFT investigations, including transaction analysis, source of funds reviews, adverse media assessments and the identification of suspicious activity.
• Prepare and submit Suspicious Activity Reports (SARs) for review and approval, and assist in developing regulatory reports.
• Build, execute and enhance second line of defense controls, monitoring activities and quality assurance reviews, including comprehensive risk assessments of clients to identify money laundering and terrorist financing risks.
• Identify control weaknesses, investigate root causes and drive practical remediation actions.
• Improve onboarding, screening, monitoring and customer review workflows, balancing regulatory compliance with operational efficiency.
• Support compliance projects, regulatory change initiatives and automation efforts aimed at strengthening the financial crime framework.
• Support audits, regulatory inspections and compliance AML/CFT testing activities.
• Help develop and implement AML/CFT policies and procedures in line with regulatory changes.
• Provide training and advise stakeholders on AML/CFT related matters, and provide practical guidance on managing compliance risks, all with the aim of enhancingthe compliance culture within the organization

What you need to be successful in this role

• 5 years of experience in AML/CFT Compliance, Financial Crime Compliance, Compliance Monitoring, Investigations or a similar role within a regulated financial institution.
• A solid understanding of the regulatory environment of Luxembourg, particularly related to AML/CFT regulatory requirements and expectations applicable to Payment Service Providers (PSPs) and relevant compliance frameworks. 
• Proven experience conducting AML investigations and preparing Suspicious Activity Reports (SARs/STRs).
• Demonstrated experience performing Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions screening and transaction monitoring activities.
• Experience designing, executing or assessing compliance controls, monitoring programs and testing activities.
• Ability to translate regulatory requirements into practical operational procedures and controls.
• Strong analytical and investigative mindset with the ability to assess complex situations and exercise sound judgment, and with a detail-oriented approach to problem-solving.
• Effective communication and stakeholder management skills and collaborative mindset, with the ability to work effectively across multiple and contribute to a team-oriented environment functions.
• Ability to prioritize workload, manage multiple initiatives and operate independently.
• Good knowledge of global financial regulations, along with a proactive attitude to learn and expand this knowledge. 

What’s next?

• Does it sound exciting? - Apply with your CV in English. Please don’t shy away if you don’t meet all the requirements! We’re looking forward to meeting you.
• We will get back to you within 14 days of receiving your application.
• The interview process includes a 30-minute intro call with a TA Partner, a 60- minute call with the hiring manager, 60min skills assessment and a 30min final call. Please note the process might alter depending on our team’s availability.

WHAT WE OFFER

More than a workplace. A place to grow. 🌍

At Unzer, colleagues from 50+ nationalities across four countries work together to create better outcomes for our merchants. We take ownership, move with pace and keep raising the bar—as one team.

We set high expectations and give you the flexibility, learning opportunities and practical support to do your best work, grow your impact, and build a sustainable career.

🏡 Flexibility that works

Combine focused time at home with connection and collaboration in the office. Our hybrid setup includes two office days per week.

🚲 Your commute, your choice

Choose the mobility benefit that works for you: bike leasing or a Deutschlandticket.

🏖️ Work from anywhere in the EU

Change your perspective and work from another EU country for up to 15 days per year.

📗 Keep raising the bar

Use an annual learning budget of €1,000 for courses, conferences, certifications and other development opportunities that help you grow and increase your impact.

🫴 Support when you need it

Access confidential counselling whenever you need support with personal or professional matters.

💰 Build your future

Look ahead with our company pension scheme and take care of your long-term financial wellbeing.

Benefits may vary by location and employment setup. Your recruiter will share the details relevant to your role.

*Unzer is an equal employment opportunities workplace, and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application.

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