Full-Time Risk & Compliance Manager

Reporting to the Managing Director of Token GmbH, this role supports the pan-European business.

Key Responsibilities

• Risk & Governance Management
• Develop and implement a comprehensive Risk Management Framework aligned with ZAG-MaRisk.
• Oversee the Payments Risk & Governance Strategy, including operational risk, fraud prevention, transaction monitoring, and business continuity planning.
• Maintain risk and loss registers with timely updates.
• Conduct risk assessments and scenario analyses.
• Regulatory Compliance & Reporting
• Ensure compliance with BaFin, Bundesbank, and EU regulatory requirements.
• Develop and maintain Compliance Policies & Procedures.
• Act as the primary liaison with regulators, managing regulatory notifications, filings (BaFin, Bundesbank), onsite inspections, inquiries, and annual regulatory reporting obligations.
• Outsourcing & Internal Control
• Oversee Outsourcing Risk Management, ensuring BaFin compliance.
• Manage relationships with third-party service providers handling AML, Internal Audit, and Data Protection.
• Conduct vendor due diligence and risk assessments.
• Audit Coordination & Internal Controls
• Coordinate internal audits (in-house and outsourced).
• Manage external audits related to Risk & Compliance.
• Implement internal controls.
• Training & Compliance Support
• Develop and implement regulatory training programs.
• Provide advisory support on compliance and regulatory matters.

Who you are

• Based in Germany with experience in Risk & Compliance, ideally within the payments industry.
• At least three years’ experience in a regulated sector.
• Strong knowledge of PSD2, ZAG, GwG, and related regulations.
• Fluent in German and English.
• Comfortable working in fast-paced environments.
• Strong technical acumen.
• Excellent interpersonal and organizational skills.
• Proficient in Google Workspace and Microsoft Office.
• Exceptional attention to detail and problem-solving skills.

What is the last date for applying to the job?

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