Compliance Advisory Specialist

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!   Your Mission As a Specialist, AFC Compliance Advisory & Oversight at Bitpanda, you will play a key role in strengthening and evolving our Anti-Financial Crime (AFC) Compliance framework. You will drive second-line oversight activities through quality assurance, control testing, complex financial crime investigations, and expert advisory, helping ensure our controls remain effective, scalable, and aligned with evolving regulatory expectations. Working closely with AML Officers, Risk, Product, Operations, Engineering and Data teams, you will identify control gaps, challenge existing processes, investigate complex financial crime risks, and contribute to building a robust AFC framework that supports Bitpanda's continued growth across multiple regulated markets. What you’ll do * Perform second-line quality assurance and control reviews across AFC processes, assessing whether investigations, decisions, documentation, and escalations meet internal standards and Austrian and German regulatory requirements. * Review Proof of Funds, Source of Funds, transaction monitoring, and suspicious activity cases to ensure that investigations are complete, risk-based, and supported by sufficient evidence, including the quality of any related Suspicious Activity Reports. * Perform enhanced due diligence on complex or high-risk cases involving business customers, legal entities, ownership structures, beneficial owners, and other elevated financial crime risks. * Identify control weaknesses, recurring quality issues, and gaps in operational processes, and support the implementation and follow-up of remediation measures to strengthen the AFC Compliance framework. * Collaborate with Operations, Product, Engineering, Risk, and AML Officers to improve control design, investigation standards, procedural guidance, reporting, and the overall effectiveness of AFC processes. Who you are * Educational Background: You hold a university degree in Law, Business Administration, Economics, Finance, or a related field, providing a strong foundation in Anti-Financial Crime Compliance, regulatory compliance, and risk management. * Professional Experience: You have proven experience in Anti-Financial Crime Compliance, AML investigations, Financial Crime Advisory, or Compliance Oversight within a regulated financial institution, payment institution, fintech, cryptocurrency service provider, or consultancy. You also have practical experience performing quality assurance, second-line controls, or compliance oversight, with a strong understanding of risk-based AML/CFT control frameworks. Experience conducting Proof of Funds (PoF) investigations, reviewing complex legal entities, and preparing or assessing Suspicious Activity Reports (SARs) under Austrian and/or German AML/CFT requirements is highly desirable. * Technical & Analytical Competence: You possess strong analytical and investigative skills, with the ability to interpret structured data and translate insights into risk-based decisions and compliance improvements. Experience extracting and analysing data using Snowflake SQL or similar tools is a strong advantage, enabling you to identify risk indicators, monitor control effectiveness, and support data-driven enhancements to the AFC Compliance framework. * Regulatory Knowledge: You are confident interpreting regulatory requirements and translating them into practical guidance, effective controls, and operational processes, while balancing regulatory expectations with business needs. * Language Proficiency: You have excellent written and verbal communication skills in both English and German. Professional proficiency in German is required due to the role's involvement in reviewing customer documentation, conducting investigations, and supporting regulatory reporting under Austrian and German AML/CFT requirements. WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Compliance Officer Our Compliance Advisory & Oversight Team is looking for a Compliance Officer with experience in the payments-, financial services or FinTech industry. In this role, you will help Adyen to scale and work on complex opportunities. To do that, you must have a strong analytical mindset and communication skills to provide pragmatic and strategic advice to both internal and external stakeholders on compliance matters.  What you’ll do * Represent Compliance towards the commercial and operational teams, facilitating communication with deeply specialized Compliance, Regulatory, Legal and Risk functions, inclusive of conducting trainings; * Provide ad-hoc Compliance advice to Adyen’s internal stakeholders and customers, deconstructing complex challenges and supporting the team in providing solutions that align with Adyen’s strategic objectives and overall risk appetite;  * Perform and coordinate Enhanced Due Diligence (EDD) risk assessments, assembling risk expertises from internal specialists across different functions for the provision of customer acceptance advice towards relevant stakeholders, including Senior Management; * Strengthen and scale Adyen’s Compliance framework, in line with Adyen’s risk appetite and strategic objectives; * Challenge the status-quo, identifying how we can further leverage data and technology towards efficient and effective Compliance processes; * Deliver training, uplifting commercial team knowledge on AML topics, inclusive of risks and controls; * Execute second-line quality assurance testing procedures across various risks, including customer onboarding, anti-money laundering alert handling, ongoing monitoring and terminations, in line with the compliance monitoring program;  * Oversee and evaluate investigations of event or thematic reviews, ensuring risk-based terminations are completed accurately, when appropriate.  * Proactively create efficient and data-driven approaches to monitoring solutions;  * Collaborate with the compliance team on the further development of the compliance program;  * Contribute in the planning and execution of the annual compliance monitoring program; * Drive the development of monitoring methodology relating to first line business processes; and * Advise the business on enhancement of compliance procedures as required.  Who you are  * You have 4+ years of experience in a 2LoD Compliance function at a Payment Service Provider, FinTech or Financial Institution; * You have robust knowledge of regulatory and licensing regimes of payment/ e-money institutions, a thorough understanding of AML/CFT risks; * You are an analytical thinker:  * who excels in deconstructing complex Compliance challenges into manageable components  * with an attention to detail who can both draft and monitor on the implementation of relevant business processes, procedures, and policies; * You have a keen eye and passion for identifying risks while thoughtfully crafting remediation plans to promptly mitigate them; * You are a strong communicator who is able to adjust your style and tone of communication, both verbally and in writing, to tailor it to your audience; * You are a self-starter and able to project manage multiple initiatives concurrently that uplift the compliance program without sacrificing quality; * You excel in maintaining oversight and driving multiple complex topics simultaneously through your structured approach to work; * You possess strong written and verbal communication skills, enabling you to articulate advice with clarity and synthesize complex issues, and tailor it to your audience;  * You have solid interpersonal skills, and you are able to work with peers and customers from various disciplines and cultures.  * You are excited about working with an international team who will provide different perspectives and sharpen your ideas. * You are a native Mandarin speaker and business fluent in English.   Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. This role is based out of our Shanghai office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.