Job Description

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) or deputy 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!

About Vivid

At Vivid, we're reimagining how individuals and businesses manage money. Our all-in-one app opens up a world of financial possibilities: manage your day-to-day payments, invest in global stocks, ETFs, and over 150 cryptocurrencies, earn cashback on everyday purchases, and access personalized insights to make the most of your finances - all tailored to your lifestyle.

For businesses, Vivid Business offers a powerful suite of tools, including multi-IBAN accounts, high-interest rates, business cashback, team cards, and seamless accounting integrations to streamline operations.

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.

Since our 2020 launch in Germany, Vivid has rapidly expanded across Europe, earning the trust of hundreds of thousands customers looking for a simpler, smarter way to grow their wealth. To localize our services we are opening branches across Europe for our customers being able to enjoy using local IBANs.