AFC Manager - SAR Delegate Lead | MLRO France
The AFC Manager - SAR Delegate Lead | MLRO France at N26 Bank is a pivotal role within the Anti-Financial Crime (AFC) team, focusing on overseeing and enhancing the suspicious activity investigation and reporting framework for the French market. This position is ideal for a seasoned compliance leader with extensive investigative expertise, a passion for team development, and a commitment to regulatory excellence. The role involves close collaboration with the French Money Laundering Reporting Officer (MLRO), local authorities, and cross-functional teams to ensure the effective execution of Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) policies.
Key responsibilities include leading and managing the French SAR Delegate Team, ensuring compliance with reporting and investigating potential instances of money laundering, suspicious activity, terrorist financing, or fraud. The role also involves designing and implementing the operational framework for the second line of defense (2nd LoD) French SAR Delegate Team, setting standards for documenting MLRO review cases and SAR approvals. Additionally, the position entails active management of the Business As Usual (BAU) MLRO queues, providing support on AML and CTF queries from both internal and external stakeholders, and assisting the French MLRO in decision-making processes related to SARs, Requests for Information (RFIs), Politically Exposed Persons (PEPs), Enhanced Due Diligence (EDD), and Customer Risk Ratings (CRRs).
To be successful in this role, candidates should possess a law degree (Ecole de droit/Master II) or equivalent from a Grande Ecole. A minimum of five years of professional experience in anti-financial crime is required, with proven expertise in operational functions such as investigation, SAR drafting, transaction monitoring, sanctions, and adverse media screening. Experience in team management and mentoring is essential. Candidates should have an in-depth knowledge of European and French regulations on financial crime, including KYC, AML, terrorism financing, fraud, tax evasion, and sanctions. Fluency in French is mandatory, and proficiency in English is highly desirable.
While specific compensation details are not provided, N26 Bank offers a comprehensive benefits package that includes a competitive personal development budget, work-from-home budget, discounts on fitness and wellness memberships, Swile vouchers, public transportation subsidies, and the flexibility to work from home or abroad. Employees also receive a Premium subscription on their personal N26 bank accounts, with additional subscriptions available for friends and family members. An additional day of annual leave is granted for each year of service.
N26 Bank is a dynamic and innovative financial institution that has reimagined banking for the digital era. With a diverse team of over 1,500 employees from more than 80 nationalities, N26 fosters a collaborative and inclusive work environment. The company offers a high degree of autonomy and access to cutting-edge technologies, providing employees with opportunities for professional growth and development. N26 operates in a hybrid setup, combining in-office collaboration with the flexibility to work remotely, and offers relocation packages with visa support for eligible candidates.