Investigation jobs in Germany

At Liberis, we are on a mission to unleash the power of small businesses all over the world - delivering the financial products they need to grow through a network of global partners.

At its core, Liberis is a technology-driven company, bridging the gap between finance and small businesses. We use data and insights to help partners understand their customers’ real time needs and tech to offer tailor-made financial products. Empowering small businesses to grow and keep their independent spirit alive is central to our vision.

Since 2007, Liberis has funded over 50,000 small businesses with over $3bn - but we believe there is much more to be done. Learn more about Liberis by visiting https://www.liberis.com/ .

Liberis’ Legal, Compliance and Regulatory team is small but mighty. Financial Crime sits within the Compliance function, which forms part of this wider team. We work collaboratively across multiple regions, partnering internally with technology, product, operations, creditriskand partnership teams, and externally with providers,partnersand regulators.

Our primary focus is to manage financial crime risks effectively - ensuring that controls are followed and alerts are investigated promptly. At the same time, we are committed to a forward-looking vision: being proactive in deterring financial crime through innovation, use technology and continuous improvement.

We are seeking a Financial Crime Officer (Operations) to lead a small, dynamic team supporting Liberis across multiple markets. This role will oversee 2–3 financial crime analysts responsible for reviewing customer risk assessments, investigating transaction monitoring alerts, conducting enhanced due diligence (EDD), and managing fraud cases.

As the escalation point for junior analysts, you will provide guidance and ensure operational excellence. Working closely with the Compliance Director and the Financial Crime Officer(Strategy), you will play a key role in strengthening our financial crime framework and driving a proactive approach to preventing risks from materialising.

• Perform and supervise day-to-day EDD checks during onboarding, including ownership verification, sanctions screening, and CRA-triggered high-risk reviews.
• Ensure partner reliance cases are onboarded and monitored in line with contractual and regulatory requirements.

• Support escalations of transaction monitoring (TM), CRA, and fraud alerts.
• Manage case reviews, document findings, and escalate suspicious activity through SAR processes.
• Oversee fraud investigations with analysts and liaise with internal and external stakeholders as needed.
• Apply financial crime policies and procedures in BAU processes.
• Conduct QA checks on operational processes to ensure adherence to SOPs and regulatory standards.
• Provide operational input for policy updates and control enhancements.
• Contribute operational data and insights for Business-Wide Risk Assessments (BWRA).
• Prepare MI reports, case summaries, and trend analysis for senior management and compliance committees.

• Lead and mentor junior analysts, ensuring effective workload distribution and skills development.
• Review TM, CRA, and paydown cases from a first line of defence (1LoD) perspective.
• Drive continuous improvement initiatives and support system calibration for TM and fraud detection tools.
• Collaborate with oversight teams and compliance committees on reporting and audit readiness.
• Support external audits and regulatory reviews by providing accurate operational evidence and documentation.

• Strong understanding of AML, CTF, PF regulations and risk-based approaches.
• Proven experience in Enhanced Due Diligence (EDD), Customer Risk Assessment (CRA), and Transaction Monitoring (TM) processes.
• Ability to lead and mentor a small team of analysts, ensuring effective workload management and quality assurance.
• Experience acting as an escalation point for complex cases and providing clear guidance.
• Skilled in investigating alerts, managing case reviews, and escalating suspicious activity (including SAR submissions).
• Hands‑on experience with fraud detection and investigation tools.
• Competence in preparing operational MI reports, case summaries, and providing input for BWRA.
• Excellent communication and collaboration skills to work with internal teams (Tech, Product, Credit Risk, Partnerships) and external stakeholders (partners, regulators).
• Ability to influence and drive improvements in a fast‑paced, growth‑oriented environment.
• Agile mindset and ability to manage competing priorities in a scaling fintech environment.

Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.

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