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Manager Vollzeit DACH Region (remote/hybrid)

Lead Account Manager

We're a FinTech company reinventing high-risk-market payments with an integrated digital identity layer. Our team is expanding, and we are looking for a Lead Account Manager to be responsible for the entire merchant relationship lifecycle at Tantum AG.

Key Responsibilities

Merchant Onboarding & Compliance

  • Complete ownership of the onboarding process of all merchants handed over by sales.
  • Applying a risk-based approach to the evaluation and classification of merchants.
  • Obtaining and reviewing all necessary documents (KYB/KYC, UBO, SoW/SoF) in accordance with SPG, SPV and EGG.
  • Ensuring compliance with internal guidelines, directives and regulatory requirements in the onboarding and existing-customer process.
  • Creation of detailed merchant risk and business profiles (SPG profiles) and final case presentation to the compliance team.
  • Prompt identification, evaluation and fully documented escalation of anomalies or increased risks to the Compliance Officer or MLRO.
  • Coordination with sales in the event of additional requests for compliance with onboarding timelines.
  • Close cooperation with compliance (incl. MLRO) to ensure a regulatory-compliant onboarding and monitoring process.
  • Proactive support in the processing of compliance cases, including preparation of information for internal audits and suspicious transaction reports.
  • Ensuring complete, traceable and auditable documentation of all onboarding and KYC-relevant steps.

Trade fairs & market presence

  • Representing Tantum at relevant trade fairs, industry conferences and networking events — especially in the areas of payments, FinTech and digital commerce.
  • Build and maintain a professional network of merchants, partners, and industry experts to support growth and market intelligence.

Ongoing account management

  • Primary contact person for all onboarded merchants in all matters after onboarding.
  • Monitoring of changes in the business model, company structure or risk profile; initiation of EDD measures if necessary.
  • Identification of upsell and growth potentials in cooperation with sales.
  • Regular reporting on portfolio performance, risk indicators and merchant satisfaction.
  • Ongoing monitoring of merchant activities with regard to AML/CFT risks and initiation of measures in the event of anomalies.
  • Support in the identification and escalation of potentially suspicious activities to compliance (incl. preparation of SAR-relevant information).
  • Support for internal and external audits (e.g. FMA audits) by providing documentation and explanations.

Process Development & Team Building

  • Build and continuously evolve scalable onboarding workflows, templates and documentation standards.
  • Build and develop the account management function in line with the growing merchant portfolio — including recruiting, onboarding and mentoring team members.
  • Definition of team structure, role profiles and performance standards in close coordination with the CEO.
  • Identify bottlenecks in the merchant lifecycle and implement practical, scalable solutions.

Required Skills

  • Expert knowledge in AML/KYC and compliance, applicable to complex onboarding scenarios and high-risk merchant verticals.
  • Proven ability to analyse complex corporate structures, UBO chains, trust structures and cross-border entities.
  • Strong relationship management skills combined with commercial thinking.
  • Ability to manage multiple cases and accounts simultaneously without loss of quality.
  • Clear communication — both when presenting compliance findings to internal stakeholders and in challenging discussions with external partners.
  • Builder mentality — at home in a growing environment where processes are still being developed.
  • Excellent collaboration skills, primarily in a remote setting.
  • Proficiency in German and English.

Required Experience

  • At least 5 years of experience in account management, client onboarding or compliance with a regulated financial institution, e-money institution or payment service provider.
  • Proven experience with merchants from complex or high-risk industries, including at least one of the following: Adult Content / Creator Platforms, Crypto / Web3, E-Commerce / SaaS, Fiduciary and Corporate Services.
  • Direct experience in presenting compliance cases or risk assessments to internal compliance or risk functions.
  • Demonstrated ability to build or scale account management processes in a compliance-intensive environment.
  • Knowledge of the Liechtenstein, European or EEA regulatory framework (SPG, EGG, PSD2, GDPR) is a clear advantage.
  • German — C1 (mother tongue preferred) | English — C1.

What We Offer

  • Competitive salary with performance-based bonus.
  • Remote/hybrid flexibility — work where you're most productive.
  • Training budget and support in attending trade shows and industry conferences.
  • A role with real ownership in a fast-growing FinTech — building something, not just managing it.
  • Direct access to the management level and short decision-making paths.