Head of Compliance

The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're 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 it's 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. Tasks The Role As Head of Compliance (m/f/d), you will lead and grow our German Compliance team. You will shape and oversee our compliance processes to support iwoca’s strong commercial and strategic growth in Germany. You will be part of the German management team and 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 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 Fluent German (minimum C2 level) and excellent English, both written and spoken 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 smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset. 26 days of vacation a year plus a free day for your birthday. One-month fully paid sabbatical after 4 years. Mental health support with direct access to certified psychologists via our partner OpenUp. iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield. Access to the gym membership program, €25 for either Fit711 or Urban Sports Club. €25 contribution towards the Deutschlandticket. Company Pension with Canada Life. Great office locations. In Frankfurt in the middle of the city, our Berlin office is located centrally in Mitte. A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. Corporate Benefits discounts. ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day. And to make sure we all keep learning, we offer: A learning and development budget for everyone, including a book budget. Learning German budget. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. 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 it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.