DE Compliance Team Leader

DE - Compliance Team Leader - Deutschsprachig (m/w/d)

The company

Imagine a world where every small business has the power to thrive. Thats the world were building at iwoca. Small businesses arent just statistics theyre the heartbeat of our communities the character of our high streets and the engine of our economy. Since 2012 weve revolutionised how these businesses access finance turning what was once a lengthy frustrating process into something remarkable: funding thats fast flexible and actually works for modern businesses.

Our impact speaks for itself: weve provided billions in funding to over 150000 businesses across Europe making us one of the continents leading fintech innovators. But were just getting started. Our mission To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether its managing cash flow or seizing unexpected opportunities we ensure businesses get the funds they need often within minutes.

The Team

Our German Compliance team is skilled and motivated. It acts as a centre of competence for all compliance matters. The team advises and supports operational and administrative functions to ensure regulatory compliance using the three-lines-of-defence model. It works closely with the UK and global Compliance teams (Regulatory Financial Crime Data & GDPR) and other business areas and reports to the General Manager Germany.

The Role

As Compliance Team Leader (m/f/d) you will lead and grow our German Compliance team. You will shape and oversee our compliance processes to support iwocas strong commercial and strategic growth in Germany. You will act as a centre of expertise for all compliance topics.

You combine deep technical knowledge for example in GDPR anti-money laundering (AML) sanctions and fraud prevention with a pragmatic solution-oriented mindset. You ensure legal and regulatory compliance while enabling growth in a dynamic fintech environment.

Leadership and Development

• Lead coach and develop the German Compliance team

• Own the strategic and operational direction of our compliance monitoring programme
  

• Represent iwoca in relevant German and Luxembourg regulatory forums and committees
  

Expertise and Impact

• Serve as Responsable du contrôle du respect des obligations (RC Function) for our Luxembourg entity

• Ensure compliance with AML/CTF and Financial Crime requirements and continuously evolve our internal policies

• Monitor legal and regulatory changes share relevant insights and act as the go-to person for compliance topics
  

Strategy and Innovation

• Conduct regular risk assessments for compliance and AML/CTF and adjust policies as products and markets evolve

• Promote a culture of continuous improvement in compliance thinking and methods
  

The Requirements:

Essential

• At least 7 years relevant experience in compliance ideally in financial services or consultancy

• Strong knowledge and practical experience in financial crime prevention particularly German and European regulations (e.g. GDPR German Money Laundering Act AML/CTF)

• Proven leadership experience

• Professional-level German and excellent English both spoken and written

• Strong analytical skills and a structured independent way of working
  

Desirable

• Experience in banking or fintech

• Legal degree or similar qualification

• Practical understanding of business operations and risk

• Familiarity with frameworks such as design thinking and project management
  

Compensation:

Salary will depend on your experience and is in line with market levels. Please include your expected salary in your application. We benchmark salaries regularly and hold quarterly performance and pay reviews.

Please submit your application in English.

Benefits:

• A varied fast-paced and challenging working environment

• Flat hierarchies close collaboration with leadership and real opportunities to shape and progress

• A smart fun international team over 35 nationalities represented

• Company-wide training with internal and external speakers

• Great office locations Frankfurt (Fressgass) Berlin (Prenzlauer Berg) London (Fitzrovia)

• 26 days holiday plus public holidays and your birthday off

• Summer Houses in Southern Europe and Winter Houses in the Alps for team retreats

• Fully stocked kitchens with breakfast items and snacks (healthy and indulgent)

• Career development opportunities

• Share options

• One-month paid sabbatical after four years at iwoca

• Direct access to certified psychologists via our partner OpenUp

• Time off for volunteering

• Unlimited unpaid leave for travel or study

• Learning and development allowance including a budget for books

• Contribution towards the Deutschlandticket

Useful links:

• See iwoca benefits & policies for detail and some additional benefits.