Senior AML Officer; f​/m​/d

Upvest is on a mission to make investing as easy as spending money. Upvest empowers businesses to offer a wide range of investment products and the best experience in the field of capital market investment and retirement planning. Upvest’s Investment API is easy to integrate so that fintechs and financial institutions can save resources and fully focus on their core business.

We are proud to partner with Europe’s leading Fintechs and financial institutions such as DKB, Revolut, N26 and Raisin. Founded in 2017 by Martin Kassing, Upvest now brings together over 270 talented professionals from more than 70 nationalities. We’re backed by world-class investors such as Hedosophia, Sapphire, Bessemer Venture Partners, Black Rock, Earlybird, HV Capital, Notion Capital, and Motive Ventures.

We think big in terms of growth, and we see compliance and risk management as an essential part of our growth story & crucial to our success. This role is central to safeguarding our growth and making sure we scale the right way.

We re on the lookout for an anti-financial crime compliance specialist who see rules not as red tape, but as the rails that help us go further, faster, ensuring alignment with regulatory requirements and industry best practices. If you love solving problems and making a real-world impact, this could be your next big move. This position is based in Berlin with the opportunity for occasional travel required within the EU & UK.

• Upvest specialises in making investments accessible to retail investors on a large scale. Joining an existing team of 3, this role will involve implementing the AML compliance framework, as well as steering the broader AML processes within different business functions (product, operations, growth, etc).

• You ll be instrumental in safeguarding our organisation from financial crime, ensuring we maintain the highest standards of regulatory compliance and operational integrity.

• Regulatory Obligations: Ensure full compliance with all local, national, and international AML laws, regulations, and guidelines. This encompasses staying abreast of evolving regulatory landscapes and proactively adapting internal policies and procedures to meet new requirements. This person should be willing to assume the AML Officer responsibilities in Germany and EU branches, and communicate with regulators, auditors and other external stakeholders on AML matters.

• Operational Responsibilities: Oversee the day-to-day operational execution of AML policies and procedures. This includes supervising customer due diligence (CDD) processes, transaction monitoring, and the investigation of suspicious activities.

• Teamwork: Foster a culture of compliance and continuous improvement, ensuring that team members possess the necessary knowledge, skills, and resources to effectively carry out their responsibilities.

• Framework, Policy, and Oversight: Design, develop, and review the group s AML Framework and Policy, establishing AML risk appetite, and advising on AML controls for new products/services.

• Monitoring, Testing, and Reporting: Monitor financial crime prevention measures, conduct independent AML compliance testing, report findings, and provide regular MI reporting.

• Quality Assurance, Policy Maintenance, and Training: Implement QA for 1st Line AML activities, maintain and update AML policies, develop and deliver AML training, and remediate deficiencies.

• 8+ years of progressive experience in a financial crime management position within a highly regulated financial institution (e.g., banking, investment management, Fin Tech). A detailed and up-to-date understanding of the UK and EU AML regulatory environment, including knowledge of key legislation, directives, and international standards (e.g., FATF recommendations).

• German and English language skills are essential with European languages (such as French and Spanish) desirable.

• Strong collaboration and communication skills ideally within a start up or scale up environment.

• Proven ability to proactively horizon scan for impending regulatory changes, interpret their…