Risk & Compliance Manager (DE)

Reporting to the Managing Director of Token GmbH, this role is part of the group-wide Risk & Compliance team, supporting our pan-European business. The Risk & Compliance Manager is responsible for ensuring Token GmbH maintains its regulatory status and operates within a robust risk management framework.

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 in payment processing, fraud prevention and transaction monitoring and business continuity and resilience planning

Maintain risk and loss registers with timely updates

Conduct risk assessments and scenario analyses to identify vulnerabilities

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 and filings (BaFin, Bundesbank), onsite inspections and 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 for outsourced services

Audit Coordination & Internal Controls

Coordinate internal audits (both in-house and outsourced)

Manage external audits related to Risk & Compliance

Implement internal controls to ensure compliance in business operations

Training & Compliance Support

Develop and implement regulatory training programs for employees

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 yearsâ experience in a regulated sector

Strong knowledge of PSD2, ZAG, GwG, and related regulations

Fluent in German and English (both written and verbal)

Comfortable working in fast-paced, evolving environments

Strong technical acumen, able to engage with technology specialists

Excellent interpersonal and organisational skills, with the ability to build trusted relationships across stakeholders

Confident and proactive self-starter, capable of managing multiple tasks at same time

Proficient in Google Workspace (GSuite) and Microsoft Office (Excel, Word)

Exceptional attention to detail and problem-solving skills

Basic salary plus stock options (at one years service)

30 days paid vacation plus local holidays

Company pension scheme

Hybrid/flexible working

Additional Information

Open to all

Token.io is building an open future for everyone. We donât just accept different points of view, lived experiences and new ways of thinking â we search them out. They help us make better products, better decisions, and a better place for everyone to work. So, come as you are. We acknowledge and embrace different backgrounds, identities and abilities. Respect is our default, and empathy is our baseline. No one succeeds until we all do.

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Risk & Compliance Manager (DE)

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