Senior AFC Operations Specialist

As Senior AFC Operations Specialist, you play a key role in protecting lemon.markets, its partners and their customers from financial crime risks across the customer lifecycle. You work closely with the Team Lead, Product, Engineering and the Second Line of Defence to ensure AFC operations are effective, scalable and audit-ready.

What you'll do

• Own day-to-day AFC operations across transaction monitoring, customer screening, Source of Wealth reviews, investigations and regulatory information requests, ensuring risk-based decisions are well documented and operational work meets regulatory and internal standards.
• Investigate potentially suspicious customer activity and collaborate closely with the Team Lead, MLRO and Second Line of Defence to prepare escalations and SAR-related documentation where needed.
• Design and improve AFC controls, workflows and work instructions across the customer lifecycle together with Operations, Product and Engineering, creating more scalable, efficient and reliable processes.
• Drive process optimisation and operational projects such as strengthening transaction monitoring setups, reducing manual effort and improving control effectiveness through better tooling, automation and structured workflows.
• Collaborate with stakeholders across Product, Engineering, Operations, Banking and Investing domains as well as external partners, acting as a trusted AFC subject-matter expert.
• Maintain clear, precise and audit-ready documentation for operational cases, processes and decisions.

What you'll need

• Substantial hands-on AFC Operations experience within financial services, including investigations, operational controls and risk-based decision-making.
• Practical experience preparing and submitting suspicious activity reports via goAML and a strong understanding of suspicious activity handling in an operational environment.
• Solid experience improving, automating and scaling AFC processes and comfortable contributing to project work across operational and technical stakeholders.
• Deep understanding of German and European AML requirements, regulatory expectations and industry best practices.
• Fluent in German at C2 level and communicate confidently in English at C1 level.
• Hands-on, ownership-driven mindset with ability to bring structure to ambiguity and balance confidence with humility to keep learning.

What they offer

• Competitive salary based on your experience and value-add
• Flexible working hours with core collaboration hours 12:00-16:00
• Hybrid work in Germany with 4+ days/month on-site in Berlin
• Regular mentorship, stretch opportunities and annual learning budget
• Deutschlandticket sponsorship and 50% off Beatvest
• Workation: up to 10 consecutive days and 60 days per year in EU