At Upvest, we are 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, BlackRock, 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.

What is the purpose of this role in the delivery of our mission?

• 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.

What you’ll do:

• 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.

What you bring:

• 8+ years of progressive experience in a financial crime management position within a highly regulated financial institution (e.g., banking, investment management, FinTech). 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 implications, and translate new requirements into actionable policy and procedural developments. Experience in conducting thematic reviews of AML risks across different business areas and owning the development and implementation of comprehensive AML policies.

• Strong analytical skills and a deep understanding of AML risk identification methodologies, including inherent and residual risk assessments. Ability to strategically align AML frameworks with overall business objectives while ensuring robust risk management. Technical understanding of AML risks inherent in various financial products and services.

• Highly developed analytical skills for detailed reporting, trend analysis, and data interpretation. Deep understanding of relevant IT systems used in AML, including screening solutions (e.g., sanctions, PEP), fraud monitoring systems, risk management platforms, and reporting tools, as well as their interrelationships and data flows.

How we Upvest in you:

• Impact-driven work: We’re building the infrastructure that will power the future of investing in Europe. It’s complex, ambitious, and meaningful. You’ll work with modern technologies and create something entirely new. No legacy systems, no limits.

• Wellbeing: Recharge with 30 days of annual leave and maintain a healthy lifestyle with sports benefits. Access confidential professional coaching and enjoy the flexibility to work remotely abroad for up to 183 days a year. Recharge with UpRest, a one-month fully paid sabbatical after every 4 years of working at Upvest.

• Development: Growth is in our DNA. Each Upvenger has access to a personal development budget and the freedom to decide how to use it.

• Flexible work environment: Work from any of our hubs in Berlin, London or Tallinn hybrid or remotely across Europe, depending on the role. We give you the choice and budget to work where you’re most comfortable and productive, either at home or in the office. You choose.

• Compensation and equity: We believe that all Upvengers contribute to our success and deserve a competitive, above-market salary and a participation in our employee equity program.

• Team celebrations: Participate in company-wide events, such as UpFest, dinners, offsites and our Holiday party, to connect with colleagues and celebrate our achievements.

• Inclusion: We’re committed to a culture where everyone belongs and thrives. Our Employee Resources Groups foster inclusion and connection, like Upfem for our female Upvengers, or UpVergent supporting neurodivergent Upvengers and allies.

Our Values:

• Make it easy for others. We simplify the complex and act with the best intentions

• Own the outcome. We are proactive, fast and confident to get the job done, valuing progress over perfection.

• Rise to the challenge. We aim high and push the boundaries. We stay curious, learn and celebrate our wins together.

• Tell the story. We start with the Why to align on purpose. We are transparent and share knowledge to empower and inspire others.

Upvest is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.