AFC Senior Associate - SAR Delegate

About the role

Join N26's Anti-Financial Crime team as an AFC Senior Associate - SAR Delegate supporting the German market. You'll oversee complex financial crime investigations and high-risk approvals, drive strategic process improvements and cross-functional initiatives, and act as a key partner to the MLRO in maintaining a robust and effective Anti-Financial Crime framework.

What you'll do

• Review and approve SARs drafted by AFCO, ensuring all filings meet strict regulatory standards for correctness, completeness, and evidential documentation prior to submission
• Review and submit authority requests received from local and other authorities
• Act as the primary escalation point for AFCO, providing guidance on complex fincrime investigations
• Review and approve high-risk cases escalated by KYCO, focusing on PEPs and EDD
• Handle and execute confidential, sensitive, or complex investigations that exceed the scope or capability of standard operational teams
• Identify gaps and drive process improvements to enhance efficiency and control effectiveness within AFCO and KYCO workflows
• Support the MLRO, including communications with regulatory authorities and FIU
• Handle the end-to-end execution of internal and external AFC projects from initial to final implementation

What you'll need

• A completed university degree in Law (Rechtswissenschaften) or Business Administration (Betriebswirtschaftslehre)
• Minimum 5 years of expertise in European and German market AML/CTF regulations
• In-depth mastery of German AML/CTF regulations (GwG), BaFin circulars, and FIU reporting requirements
• Fluency in English and German (spoken and written)
• Advanced understanding of current ML schemes, TF typologies, and emerging financial crime trends
• Strong investigative skills with detailed-oriented mindset and focus on risk and compliance procedures
• Ability to maintain high focus and quality output while managing high case volumes

What they offer

• Competitive personal development budget, work from home budget, and fitness & wellness memberships
• Premium N26 bank account subscription and access for friends and family
• Additional day of annual leave for each year of service
• High degree of autonomy and access to cutting edge technologies
• Relocation package with visa support