---
title: 'Compliance Expert and Deputy MLRO (w/m/d) at Billie'
canonical: 'https://feeny.ai/job/compliance-expert-and-deputy-mlro-w-m-d-billie-berlin-2kd2yp0903c5'
type: 'job'
last_seen: '2026-10-30'
---

# Compliance Expert and Deputy MLRO (w/m/d) at Billie

- **Company:** Billie
- **Location:** Berlin, Germany
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-21
- **Last confirmed live:** 2026-10-30
- **Apply:** https://jobs.ashbyhq.com/billie/fcc221b2-5ff3-47e0-a666-48b539b5543b

## Job description

We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability. About the role: Are you passionate about compliance and building an ethical, risk-aware culture? Do you enjoy finding problems before they become issues and fixing them for good? We're looking for a Compliance Expert to join our Compliance team, reporting to our Senior Director of Compliance. You'll gain broad exposure to every part of Billie's Compliance Program, help ensure we meet our legal and regulatory obligations, and act as Billie's Deputy Money Laundering Reporting Officer (Deputy MLRO) - playing a key role in the fight against financial crime. In more detail you will:

- Identify and remedy compliance deficiencies to keep Billie aligned with all applicable laws and regulations.
- Strengthen our governance systems, internal controls, policies, guidelines, and training programs.
- Prepare regulatory submissions, internal compliance reports, and risk analyses.
- Help improve our audit and compliance processes, and lead strategic projects for the team.
- Act as a key point of contact for our Internal Auditor, and build strong relationships with internal and external stakeholders — including supporting audits and due diligence requests.
- Develop and maintain a comprehensive financial crime and regulatory risk management framework to identify, monitor, and mitigate risk.
- Supervise and conduct independent reviews of business processes.
- Develop and execute engaging educational sessions to promote regulatory awareness across teams.
- Draft clear, actionable reports and recommendations on irregularities and corrective measures.
- Partner closely with senior leadership to advise on policy, new product launches and procedure changes.
- Help safeguard Billie against money laundering and terrorist financing as Deputy MLRO.

Who are we looking for:

- 3+ years of experience in auditing, compliance, financial law, AML, risk management, or risk controlling.
- A completed degree in law, business administration, and/or economics — ideally with a focus on compliance, risk management, or a related field.
- Strong working knowledge of German and European regulatory frameworks, including the KWG, ZAG, GwG, and MaRisk.
- Solid project management skills and a track record of driving initiatives from start to finish.
- A highly motivated, ‘can-do’ mindset with a knack for creative problem-solving.
- Fluency in German and professional proficiency in English.
- Pluses: Familiarity with process flows at a FinTech or other regulated financial institution and Prior AML or financial crime experience

What We Offer:

- Challenging and impactful work that drives personal and professional growth
- One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success
- Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance
- A hybrid working approach that allows you to work from home for up to 3 days per week
- Enjoy 30 days vacation per year, sabbatical opportunities, and extra child sickness leave for parents.
- Our “Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad
- A yearly development budget to broaden your skill set and horizons
- Free German group classes
- An English-speaking, multicultural team with more than 40 nationalities
- Building meaningful connections with your colleagues through company and team events, interest groups, the Billie run club, game nights, and more, powered by our Formula Fun Team!

Billie is an equal opportunity employer and we do not discriminate on the basis of race, color, religion, sexual orientation, gender identity or expression, national origin, age, disability, or any other protected characteristic. We are committed to creating an inclusive environment where everyone feels they belong. All qualified applicants are welcome and we especially encourage you to apply, even if you don't check every box in the job description. For information about data processing see our "[Recruiting Privacy Policy and further information"](https://www.billie.io/en/candidate-information):https://www.billie.io/en/candidate-information

## About Billie

## Company Overview
- **One-liner**: Billie provides B2B Buy Now, Pay Later (BNPL) payment methods and digital payment services, enabling businesses to pay and get paid on their own terms.
- **Entity Type**: Private (Series C)
- **Headquarters**: Berlin, Germany
- **Founded**: 2016
- **Founders**: Dr. Matthias Knecht, and other co-founders (former founders of Zencap, which exited to Funding Circle)

## Core Business
- **Primary industry**: Financial Technology (Fintech) – B2B payments and working capital solutions.
- **Target customers**: B2B businesses of all sizes (SMB to enterprise) that need flexible payment terms for their purchases.
- **Mission**: To create a new standard for business purchasing.

## Products & Services
- **Buy Now, Pay Later (BNPL) for Business**: A checkout solution that lets business buyers pay later, while sellers get fast liquidity. Fully digitized, with machine-learning-based risk models.
- **Risk Management Platform**: Data-driven tools for merchants to assess and manage credit risk on B2B transactions.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total funding of $357.3M (across seed, Series A, B, C, and debt financing). Latest round: $200M debt financing in October 2021 led by Vereinigte Volksbank Raiffeisenbank, alongside $100.1M Series C led by Dawn Capital.
- **Annual Revenue**: Estimated $18M (based on third-party data, may not be official).
- **Notable Investors/Partners**: Dawn Capital, Tencent, Creandum, Picus, SpeedInvest, Hedosophia.
- **Growth Signals**: 
  - Served over 1 million registered business buyers (announced January 2026).
  - Integrated with Commerce (2025) to offer BNPL across 12 European markets.
  - 130+ employees from 40+ nationalities (career page); Built In reports 155 total employees.
  - LinkedIn shows 19,728 followers (+11.8% yearly growth).

## Competitive Advantages
- Proprietary machine-learning risk models purpose-built for B2B transactions (reducing fraud and default risk).
- Fully digitized, automated processes and a highly scalable tech platform.
- Founders’ prior success (Zencap exit to Funding Circle) and deep fintech expertise.
- Strong investor base with global fintech leaders (Tencent, Dawn Capital, Creandum).

## Strategic Focus
- Expand B2B e-commerce integrations across Europe (already live in 12 markets).
- Continue to invest in data-driven risk management to sustainably grow the buyer base.
- Scale the platform to serve larger enterprise clients and new geographies.

## Why Work Here
- **Culture**: Fast-growing European fintech with a mission-driven environment. Emphasis on personal growth, internationality, and collaboration.
- **Hybrid Work**: Twice a week in the Berlin office; flexible arrangements.
- **Perks**:
  - €1,000 annual learning & development budget.
  - 30 days holiday + 5 paid days for child sickness.
  - Relocation bonus for new hires moving to Berlin.
  - Free German classes (multiple levels).
  - Travel reimbursement / subsidy for public transport (BVG/Deutschland-Ticket) or JobRad.
  - Free gym access, weekly yoga, healthy snacks, drinks.
  - Virtual share incentive program.
- **Engineering Stack**: PHP (Symfony), Java/Kotlin (SpringBoot), Python, JavaScript (React), TypeScript, REST, RabbitMQ, GraphQL, AWS, MySQL, Snowflake.
- **Team**: 130+ employees from 40+ nationalities, average rating 4.0/5.0 on employer review platforms (93 reviews) – Work-Life 4.2, Culture 3.9, Career 3.7.

## Sources
1. [Billie Careers Page](https://www.billie.io/en/jobs)
2. [Built In - Billie Profile](https://builtin.com/company/billie-billieio)
3. [LinkedIn - Billie Company Page](https://de.linkedin.com/company/billie.io)
4. [Craft.co - Billie.io Overview](https://craft.co/billie-io)
5. [The Org - Billie Org Chart](https://theorg.com/org/billie-io)

## Other roles at Billie

- [Senior Software Engineer (Payments) (f/m/d)](https://feeny.ai/job/senior-software-engineer-payments-f-m-d-billie-berlin-2y0ysx9853ne) — Berlin, Germany
- [Working Student Sales (m/f/d)](https://feeny.ai/job/working-student-sales-m-f-d-billie-berlin-490m7ctdzg9s) — Berlin, Germany