Compliance Manager (m/f/d)
- Hiring from
- Germany
- Work type
- Hybrid
- Posted
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What your work will look like:
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Collaborate with the Chief Compliance Officer/MLRO on regulatory and compliance matters, offering insights for improvement.
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Report directly to the Chief Compliance Officer/MLRO, preparing comprehensive documentation for customer reviews and ensuring accuracy for MLRO approval.
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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.
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Translate regulatory requirements, CSSF expectations and internal policies into clear and effective operational processes and controls.
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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.
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Lead AML/CFT investigations, including transaction analysis, source of funds reviews, adverse media assessments and the identification of suspicious activity.
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Prepare and submit Suspicious Activity Reports (SARs) for review and approval, and assist in developing regulatory reports.
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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.
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Identify control weaknesses, investigate root causes and drive practical remediation actions.
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Improve onboarding, screening, monitoring and customer review workflows, balancing regulatory compliance with operational efficiency.
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Support compliance projects, regulatory change initiatives and automation efforts aimed at strengthening the financial crime framework.
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Support audits, regulatory inspections and compliance AML/CFT testing activities.
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Help develop and implement AML/CFT policies and procedures in line with regulatory changes.
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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:
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5 years of experience in AML/CFT Compliance, Financial Crime Compliance, Compliance Monitoring, Investigations or a similar role within a regulated financial institution.
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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.
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Proven experience conducting AML investigations and preparing Suspicious Activity Reports (SARs/STRs).
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Demonstrated experience performing Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions screening and transaction monitoring activities.
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Experience designing, executing or assessing compliance controls, monitoring programs and testing activities.
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Ability to translate regulatory requirements into practical operational procedures and controls.
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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.
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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.
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Ability to prioritize workload, manage multiple initiatives and operate independently.
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Good knowledge of global financial regulations, along with a proactive attitude to learn and expand this knowledge.
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Prior experience with financial crime controls in the payments, fintech or e-commerce sector.
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Experience supporting regulatory inspections, audits or remediation programs.
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Familiarity with sanctions compliance frameworks and fraud risk management.
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Experience participating in system implementations, workflow redesign or process automation projects.
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Professional certifications such as CAMS, ICA, CFE or equivalent.
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Knowledge of additional European regulatory frameworks relevant to payment services.
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Fluency in English; knowledge of German, French or other European languages is considered an asset.Please note that we will not sponsor your visa or relocation, and you must have a valid work permit to be eligible for this position.
What’s next?
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.