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AFC Manager - SAR Delegate Lead | MLRO France
Department:Group AFC
Location:Paris
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 mentoring
Skills:
- Proven ability to manage, coach and mentor people.
- In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions…).
- Deep investigation expertise.
- French as mother tongue, fluency in French and English spoken and written.
- Excellent written skills in French.
- Excellent communication skills and ability to work with a wide variety of stakeholders.
- Proven ability to liaise with the French Authorities.
- Hardworking, strong team player, benevolent and resilient.
- Diligent and reliable, solution driven and committed, ability to work under pressure.
- Strong analytical, advisory skills, high quality standards and attention to detail.
- You have a hands-on mentality and take ownership.
- You should enjoy a fast-paced working environment, show high willingness to learn and work autonomously to grasp new topics.
- Passionate about people.
- Actively help yourself (and others) to be successful.
- Continuously learn and challenge the status quo.
- Think globally, act locally.
- Benevolent and demanding.
What’s in it for you:
- Accelerate your career growth by joining one of Europe’s most talked about disruptors.
- Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation.
- As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.
- Additional day of annual leave for each year of service.
- A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and backgrounds.
- A relocation package with visa support for those who need it.