Money Laundering Reporting Officer (MLRO) – Germany (m/f/d)

Schedule: full-time Employment: permanent Years of experience: 5-7 Salary: 100000 to 120000 EUR per year 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. 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) 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! Compensation range Final compensation is determined individually, based on your experience, skills and the scope of the role, assessed against objective, gender-neutral criteria. About Vivid ​​​​At Vivid, we're on a mission to change how businesses and individuals manage their money across Europe. For businesses, we build tools that actually make a difference: multi-IBAN accounts, high-yield savings, business cashback, team cards, and accounting integrations that save real time — all in one place. And for individuals, we offer a simple way to manage and grow your wealth: access to global stocks, ETFs and 150+ cryptocurrencies, cashback, and personalised financial insights. 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. Founded in 2019 in Berlin by Alexander Emeshev and Artem Iamanov, Vivid has quickly grown into one of Germany's top financial platforms for SMEs and private accounts. Since then, we've expanded rapidly across Europe, earning the trust of over 500,000 customers — and with over €200 million raised and a valuation of €775 million, we're just getting started. We're building Vivid as an AI-native organization — across every function, from product to compliance to operations. Automation handles a growing share of day-to-day execution. For us, this means our teams can focus on architecture, strategy, and high-impact decision-making. This changes how we work: less manual execution, more ownership in building systems that scale. We want to help define what AI-native looks like in a regulated financial environment — and we're looking for people who want to build that future with us.