About this role
About the Opportunity
We’re looking for a motivated and experienced AFC SAR Delegate Lead to oversee and drive our suspicious activity investigation and reporting framework for the French market.
This role is ideal for a hands-on compliance leader with deep investigation expertise who’s passionate about developing people, establishing robust 2nd LoD standards, and ensuring regulatory excellence. You’ll play a pivotal role in strengthening our Anti-Financial Crime operations, actively managing BAU MLRO queues, and serving as a key partner to the French MLRO and local authorities. Working closely with our AFC Leadership and cross-functional teams, you’ll ensure consistent execution of AML/CTF policies, continuous refinement of review processes, and proactive mitigation of financial crime risk across the business.
In this role, you will:
• Lead and oversee compliance with reporting and investigating possible instances of money laundering, suspicious activity, terrorist financing or fraud.
• Management, coordination, motivation and guidance for the French SAR Delegate Team.
• Participate in people management tasks (incl. interview processes and development of team members).
• Design, write and implement the working framework (incl. procedures and processes) for the 2nd LoD French SAR Delegate Team, including setting a working standard and clear instructions for documenting MLRO review cases and SAR approvals in a clear and uniform manner.
• Act as SPOC for AFCO SMEs with regard to the SAR review and investigation review process.
• Active management and ownership of the BAU MLRO queues.
• Provide ongoing and ad-hoc support on AML and CTF queries (both from internal and external stakeholders).
• Assist the French MLRO and (co-)decision-taking in the following areas: SAR, RFI, PEP, EDD and CRR.
• Assist with the identification, evaluation, monitoring and mitigation of operational risks with respect to AML and CTF processes and proactively suggest improvements.
• Support the French MLRO in steering AML and CTF BAU requirements and regulatory imposed projects.
• Support the French MLRO in reporting to the Management Board, Supervisory Board and national competent authorities.
• Ensure strategic cohesion of AFC strategy with N26 strategy.
• Support the business to understand and address AML and CTF risk.
• Devise and review relevant training to AFCO, business and its partners.
• Review Marketing materials to ensure compliance with AML and CTF requirements.
What you need to be successful:
Background :
• Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike.
• Professional experience gained in anti-financial crime, with at least 5 years of experience
• Proven experience in operational functions, including investigation, and SAR drafting but also transaction monitoring, sanctions and adverse media screening
• Proven experience in team management and mentori