Team

The Payments team at Raisin Bank ensures the secure, compliant, and efficient execution of all money movements across Europe. As part of a fully licensed bank, the team manages the end-to-end payment lifecycle, from customer transactions to partner settlements, supporting Raisin’s retail platform and B2B Banking-as-a-Service offerings.

By combining experienced payments experts with ambitious professionals, the team drives operational excellence while working closely with Product and Engineering to automate and continuously improve payment processes.

Your Responsibilities

• Lead and own payment-related projects independently, including discovery, implementation, and coordination with Product and Engineering teams.
  Work hands on with core payment systems and schemes, including TARGET, SWIFT, SEPA, and SEPA Instant.
• Develop test concepts and execute user acceptance testing (UAT) for payment-related changes and initiatives.
• Monitor, investigate payment incidents, ensuring timely root-cause analysis and remediation.
• Conduct technical and regulatory research and monitoring on e.g., SWIFT, Bundesbank, EPC and communicate relevant changes and impacts to internal stakeholders.
• Represent the scope of Payment Operations in  internal and external working groups, technical showcases, and annual industry tests (e.g., Bundesbank, SWIFT).
• Act as a subject matter expert for special services (e.g., SWIFT or Bundesbank), including maintaining and owning Payments-related Confluence documentation.
• Drive continuous process optimization and automation (e.g., reporting, ticket creation) to improve operational efficiency and scalability.

Your Profile

• Bachelor’s or Master’s degree in Business Administration, Engineering, Finance, Economics, or a related field.
• 5+ years of experience in payments, operations, business analysis, or project management, ideally within fintech, banking, or a fast-paced technology environment.
• Deep understanding of European payment infrastructures and schemes
• Strong hands-on experience with SQL and data analytics tools (e.g., Looker).
• Proven track record in process optimization, project delivery, and stakeholder management.
• Structured, solution-oriented approach to incident management and process improvement
• Professional English speaking skills and at least B2 German speaking skills

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month. 
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Team

Join the Anti-Financial Crime (AFC) department as our MLRO/GwB. You will lead our mission to prevent, detect, and combat money laundering, terrorism financing, and fraud. As the primary contact for BaFin and the FIU, you ensure Raisin Bank meets Geldwäschegesetz (GwG) and Kreditwesengesetz (KWG) requirements. In this role, you collaborate with a team of experts to develop internal guidelines, oversee control mechanisms, and manage training programs to ensure group-wide AFC compliance and integrity.

Your Responsibilities

• Regulatory Liaison: Act as the primary interface with the BaFin and the Financial Intelligence Unit (FIU).
• Policy Development: Design, implement, and maintain internal AFC policies, ensuring they reflect the latest updates to the GwG and AuA.
• Risk Management: Conduct and regularly update the group’s annual risk analysis to identify institutional risks related to money laundering and fraud.
• Monitoring & Investigation: Oversee the transaction monitoring systems and conduct manual investigations into high-risk accounts or complex structures.
• Advisory: Provide expert guidance to the Board and business units on high-risk client onboarding (PEP, High-Risk Jurisdictions) and the compliance implications of new products.
• Training: Develop and deliver mandatory AML/CTF training programs for all employees to foster a robust culture of compliance.
• Auditing: Coordinate with internal and external auditors during annual § 25h KWG audits.

Your Profile

• Minimum 5-7 years of relevant professional experience as an MLRO or Deputy MLRO within a bank.
• Expert knowledge of statutory requirements, particularly the German Money Laundering Act (GwG), BaFin AuA, AML Regulation, EBA Guidelines, and the German Banking Act (KWG).
• Deep expertise in the areas of KYC, customer identification, and complex risk rating methodologies.
• Proven experience in defending risk analyses before boards of management and supervisory authorities.
• Hands-on mentality and independent, proactive action paired with high entrepreneurial drive
• Strong analytical and conceptual skills combined with high decision making authority regarding technological innovations.
• Highest degree of integrity, a sense of responsibility, and the personal reliability required for a key function.
• Excellent communication and negotiation skills in both German and English.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month. 
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Team

The Risk Controlling team shapes Raisin Group’s resilience by establishing and maintaining the group-wide risk management framework in line with regulatory standards. The team defines risk policies and controls and is responsible for identifying and assessing material risks across the group, including operational, credit, market, and liquidity risk, using methods such as risk assessments, stress testing, and scenario analysis.

In addition, Risk Controlling continuously monitors the group’s risk profile through risk metrics, key risk indicators, and early warning signals. The team prepares risk reporting for senior management and regulatory authorities and supports capital and liquidity adequacy assessments in line with regulatory requirements, ensuring the business model is backed by appropriate risk-bearing capacity and liquidity strength.

Your Responsibilities

• Reporting & Data Aggregation: Supporting the Risk team in the preparation of regular risk reports, including data collection, quality checks, and formatting for board-level presentations.
• General Organizational Scaling: Assisting in the optimization of departmental workflows and administrative infrastructure.
• Bilingual Documentation: High-quality translation (DE/EN) and linguistic alignment of internal policies, process descriptions, and regulatory correspondence.
• JIRA Lifecycle Management: Systematic creation and scheduling of the JIRA ticket backlog for all recurring risk controlling tasks (e.g., limit monitoring, reporting cycles, and committee preparations) for 2026 and 2027.

Your Profile

• Availability: You are ready for a full-time commitment of 6 to 12 months, starting in June or July 2026.
• Education: You are currently pursuing a degree in Business Administration, Information Management, Finance or Banking or recently graduated. 
• Analytical Mindset: You possess strong judgment and a structured approach to risk management within the regulated banking sector.
• Operational Excellence: You have a talent for structuring complex information and managing high-stakes operational workflows with precision and a sharp eye for detail.
• Digital Literacy: You have a passion for automation—creating efficient workflows, clearing ticket backlogs, and maintaining rigorous documentation.
• Reporting Expert: You are proficient in data aggregation and can design professional reporting decks (PPT, Excel, Google Suite) tailored for senior management.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €400 and one full training day per year.
• Flexible working hours, home office and 20 vacation days per year.
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.

Your Responsibilities

Vendor Lifecycle & Operational Relationship Management

• Own the end-to-end third-party operational lifecycle, from initial onboarding and technical integration to continuous monitoring and eventual offboarding.
• Build and maintain strong, strategic relationships with key external partners, acting as the primary point of escalation for operational bottlenecks and service disruptions.
• Collaborate closely with Compliance, Procurement and Legal teams to ensure operational readiness and compliance requirements are met during the vendor selection and renewal phases.

Digital Operational Resilience & DORA Compliance

• Lead the implementation and ongoing management of ICT third-party risk management controls in strict alignment with DORA requirements.
• Maintain an accurate and up-to-date Register of Information detailing all ICT third-party service dependencies.
• Partner with InfoSec, Compliance, and Risk teams to conduct regular vendor risk assessments, evaluate concentration risks, and ensure third parties participate in required operational resilience testing (e.g., TLPT).
• Develop and maintain joint business continuity plans, robust vendor escalation matrices, and incident management protocols, ensuring alignment with DORA’s incident reporting mandates.

Performance & SLA Monitoring

• Define, implement, and track rigorous KPIs and SLAs for all third-party providers.
• Conduct regular Quarterly Business Reviews (QBRs) and performance audits with key vendors to ensure continuous improvement and strict adherence to service availability targets.
• Design and maintain operational dashboards (e.g., via Looker, Tableau) to monitor vendor performance, dependency health, and risk metrics in real-time.

Process Optimization & Integration

• Design seamless operational workflows that integrate third-party services into our internal value chain without friction.
• Transition reactive, detective vendor controls into automated, preventive systems to build stronger system-based safeguarding mechanisms.
• Map and document product setups and process dependencies, ensuring the exact impact of third-party outages on customer orders is clearly understood and mitigated.

Your Profile

• Experience: 5+ years of experience in Operations, Vendor Management, or Third-Party Risk Management (TPRM), specifically within a regulated financial, FinTech, or SaaS environment.
• Regulatory knowledge (DORA): particularly its pillars relating to ICT third-party risk management, incident reporting, and resilience testing.
• Risk & Controls: Deep understanding of vendor due diligence, SLA formulation, and transitioning operational controls from detective to preventive models.
• Analytical Skills: Highly data-driven with the ability to build performance metrics and utilize data visualization tools [e.g., Looker, Snowflake, Excel/Google Sheets] to monitor vendor health.
• Stakeholder Management: Exceptional communication skills with the ability to collaborate effectively with technical teams, compliance officers, C-level executives, and external partners.
• AI: Early adopter of AI productivity tools with a keen interest in how emerging AI governance impacts third-party risk and ICT resilience.
• Language: Fluent in English and a good command of German (B2).

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month. 
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Team

Become part of the Anti-Financial Crime (AFC) department at Raisin Bank AG. Our mission is to protect the bank and its customers from money laundering, terrorist financing, and fraud. Our team is responsible for the methodological, regulatory, and conceptual foundations of AML prevention, including policies, risk analysis, methods, controls, and internal instructions. In this position, you will take responsibility for one of the central pillars of our framework: the methodology, calibration, and validation of IT-based transaction monitoring in accordance with § 25h KWG (German Banking Act) and § 15 GwG (German Money Laundering Act).

Your Responsibilities

• Methodological Development: Responsible for the methodological further development of the indicator model for EDV-supported transaction monitoring, with traceable derivation from the bank's money laundering risk analysis and full coverage of money laundering, terrorist financing, criminal acts according to § 25h KWG, as well as channel- and product-specific risk factors.
• Threshold Framework: Establishing and maintaining a reproducible, quantitative threshold framework (population statistics, percentile/Z-score/typology-based methods) with clearly anchored KPIs, as well as managing the annual recalibration cycle.
• Validation Regime: Designing and implementing the validation regime for the entire rule set: backtesting, look-backs, sample tests according to BaFin AuA standards, and validation KPIs (True Positive Rate, False Positive Rate, alert rate, processing latency).
• Standardization: Defining and maintaining the minimum content requirements for alerts and cases (source of funds, plausibility checks against customer profiles, four-eyes principle evidence, justification of decisions, and deadline monitoring).
• Change Governance: Responsibility for the rule change logbook and the associated change governance process as audit-proof evidence for the bank's monitoring framework.
• Regulatory Intelligence: Translating evolving regulatory requirements and typologies (BaFin, EBA, FIU, FATF, AMLA) into rule set requirements and ongoing derivation of "Re-calibrate/Retire/Replace" decisions per rule family.
• External Management: Technical steering of external consultants and transaction monitoring providers regarding methodology and validation; ensuring versioned change governance, parameter access, and SLAs.
• Audit & Supervision: Preparing, supporting, and defending the methodology and validation results during internal and external audits as well as regulatory inspections.
• Interface Management: Managing the interface with AFC Operations regarding rule configuration and case processing; contributing to internal guidelines, including procedural instructions, validation policies, and escalation paths.

Your Profile

• Experience: At least 5–7 years of relevant professional experience in transaction monitoring methodology, AML model validation, or comparable quantitative AFC roles, at a bank, an audit/consulting firm (FS Risk & Regulation), or a transaction monitoring provider.
• Regulatory Expertise: Deep understanding of relevant regulations: § 25h KWG, § 15 GwG, BaFin AuA, AML-VO, EBA Guidelines on ML/TF Risk Factors, FATF recommendations/typologies, and MaRisk AT 4.3.4 as a model validation analogy.
• Technical Knowledge: Proven experience in indicator modeling, threshold derivation, backtesting, and look-back methodology within an AML, Sanctions, or Fraud context.
• Quantitative Skills: Strong analytical skills (statistics, data analysis; SQL is mandatory; Python or R is an advantage); comfortable handling large transaction datasets.
• Tooling & Governance: Practical setup and implementation experience with at least one established transaction monitoring or sanctions screening tool; experience with vendor and outsourcing governance (§ 25b KWG / MaRisk AT 9) is desirable.
• Audit Exposure: Experience defending methodology and validation results to auditors and regulators; knowledge of § 44 KWG audits is a plus.
• Mindset: Conceptual depth paired with a hands-on mentality and willing to calculate thresholds and validations yourself, not just commission them.
• Soft Skills: High degree of integrity, responsibility, and quality standards; ability to represent technical positions independently of daily operations.
• Communication: A team player with excellent communication skills in German and English (at least C1 level); ability to explain complex methodology clearly to quants, the Board of Directors, and regulators alike.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month. 
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Team

The Risk Controlling department is responsible for establishing and maintaining a robust, group-wide risk management framework aligned with Basel principles and guidelines. This involves implementing policies and controls to identify, measure, monitor, and manage the bank's risks, including credit, market, operational, and liquidity risk. The team's primary functions are ongoing risk profile monitoring, preparing accurate risk reports for stakeholders and regulators, and assessing capital and liquidity adequacy according to regulatory frameworks like CRR.

Your Responsibilities

In this role, your core responsibilities includes the following:

• Lead Normative ICAAP Management: Oversee the normative perspective of the Internal Capital Adequacy Assessment Process (ICAAP), ensuring continuous regulatory capital compliance for the bank and the group across a multi-year planning horizon, including adverse and stress scenarios.
• Develop and Maintain the Recovery Plan: Own the bank's Recovery Plan, including the monitoring and monthly reporting of recovery indicators to the Management Board for early detection of financial or operational crises.
• Manage New Product & Process Oversight (NPP / AT 8.2): Drive Risk Controlling's involvement in New Product Processes (NPP) and significant process/IT changes (MaRisk AT 8.2), providing independent risk assessments and sign-offs for new business models, products, or organizational restructuring.
• Prepare Risk Reporting & Governance: Contribute to and prepare risk reports for senior management, governance bodies, and regulatory authorities (BaFin/Bundesbank), providing deep-dive analyses into risk concentrations and capital adequacy.
• Coordinate the Annual Risk Inventory: Support the annual risk inventory process to identify all material risks including credit, market, operational, and ESG factors and establish a comprehensive, uniform risk profile.
• Execute and Oversee the Biennial LSI Stress Test: Manage the end-to-end execution of the LSI Stress Test, coordinating data collection across departments, performing sensitive results analysis, and ensuring the timely submission of high-quality results to supervisory authorities (BaFin/Bundesbank).

Your Profile

To succeed in this role, you will need the following skills and professional experiences:

• Degree in Business Administration, Finance, Risk Management, Economics, or a related field.
• Minimum of 7 years of professional experience in risk management or risk consulting within the banking or financial services sector.
• Hands-on experience with core regulatory processes, specifically ICAAP, Recovery Planning, and New Product/Process Oversight (NPP/AT 8.2).
• Solid knowledge of regulatory requirements, including MaRisk and Basel III.
• Experience with risk management systems and tools.
• Professional certifications are a plus.
• Strong analytical capability, sound judgment, and a structured approach to risk management in a regulated banking environment.
• Strong communication skills to effectively work across functions and present complex risk topics to senior management.
• A proactive, independent working style demonstrating strong ownership and meticulous attention to detail.
• Ability to balance operational execution with a comprehensive, enterprise-wide risk perspective.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month. 
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.