MLRO of German Branch (Geldwäschebeauftragter)
Vivid Money Group is a European fintech providing personal and business financial services through digital accounts. Its offerings include payments, cards, cashback, interest accounts, international transfers, bookkeeping tools, and investment services for individuals, freelancers, companies, and enterprises.
Maintainer signals as of 8/23/2026
About Vivid Money Group
Vivid Money Group operates a digital financial platform serving individuals, freelancers, SMEs, and larger businesses across Europe. Its services include business and personal accounts, unlimited IBANs, Visa cards, cashback, SEPA and SWIFT transfers, international payments, online payment acceptance, invoicing, bookkeeping integrations, tax filing, business travel, and team spending controls. The group also provides interest accounts, model portfolios, brokerage services, stocks, ETFs, money market funds, and cryptocurrency services through regulated Vivid entities in Luxembourg and the Netherlands.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Act as Vivid's appointed Money Laundering Reporting Officer for Germany and formal legal representative of the German branch. Report suspicious activities to the local FIU, manage regulatory relationships, maintain local AML processes, oversee SME client onboarding and monitoring, assess high-risk cases, address deficiencies, and coordinate regulatory implementation with Group Compliance.
Requirements
- At least 5 years of hands-on AML or compliance experience.
- Experience handling customer cases, escalations, and suspicious activity reporting.
- Experience with SAR/STR reporting and interaction with FIUs or regulators.
- Strong understanding of AML risks involving SME or business clients.
- Working knowledge of German AML and financial regulation.
- Ability to make decisions in high-risk or ambiguous situations.
- Structured, independent, and comfortable operating under regulatory scrutiny.
- Fluent written and spoken German and English.
- Prior MLRO experience is a plus.
Responsibilities
- Report suspicious activities through SAR/STR filings to the local FIU.
- Act as the primary point of contact for FIUs, regulators, and competent authorities.
- Collaborate with Group Compliance on standards, policies, and risk appetite.
- Own local AML onboarding and ongoing monitoring processes, focusing on SME clients.
- Assess and decide on complex or high-risk AML cases.
- Ensure AML processes and controls comply with local regulatory requirements.
- Identify AML deficiencies and take corrective action.
- Contribute to regulatory reporting and support audits and regulatory requests.
- Represent the German branch during regulatory correspondence, supervisory visits, and audits.
- Maintain the branch's regulatory standing and compliance with licensing requirements.
- Monitor German and EU regulatory developments and coordinate implementation with Group teams.
Benefits
- Vivid Prime account free of charge
- Sports compensation
- Learning and development budget
- Competitive salary and benefits package
- Real growth prospects and significant responsibility
