Specialist, AFC Advisory & Oversight

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The AFC Operations team is primarily responsible for transaction monitoring and the KYC process, including PEP and sanctions screening. The team ensures that all customer activities comply with applicable AML and regulatory requirements, identifying and escalating suspicious activities where necessary. Working in close collaboration with the Money Laundering Reporting Officer (MLRO), the team plays a key role in safeguarding the organization against financial crime risks. In addition, AFC Operations continuously reviews and improves internal processes to enhance efficiency, data quality and regulatory compliance standards. Your Responsibilities * Alert Management & Investigation: Review complex transaction monitoring alerts and conduct investigations into suspicious activities. You are responsible for the decision-making regarding Suspicious Activity Reports (SARs/Verdachtsmeldungen) and ensure that all filings and documentation meet regulatory requirements. * TM Framework & Detection Logic: You drive the conceptual development and optimisation of the bank's monitoring infrastructure. This involves refining detection scenarios, tuning threshold settings to minimise false positives, and ensuring that our monitoring rules keep pace with evolving criminal typologies. * Operational Monitoring Controls: You execute and oversee comprehensive monitoring activities and internal controls. Your focus is to ensure that the operational output of the TM unit consistently meets the highest quality and regulatory standards. * System Architecture & AFC Project Management: Drive the AFC-side of system deployments and feature updates. You are responsible for the seamless operational transition of new business activities into our monitoring ecosystem, ensuring that scalability and regulatory integrity go hand in hand. * Technical Outsourcing & Audit Management: Oversee AFC-related tool environments and service providers to ensure operational integrity. You act as a key subject matter expert during internal and external audits, facilitating a smooth examination process through diligent preparation and expertise   Your Profile * Academic Background: University degree in Law, Economics, Business Administration, or a related field. * Professional Experience: Extensive experience in Anti-Financial Crime (AFC) within the financial services industry. * Regulatory Expertise: In-depth knowledge of national and international regulatory frameworks (e.g., German GwG, KWG, and EU AML Directives). * Process Excellence: Proven experience in designing, documenting, and optimising AFC processes and frameworks. * Language Skills: Professional proficiency in English and excellent German skills are mandatory * Certifications: Relevant industry certifications, such as CAMS (Certified Anti-Money Laundering Specialist), are considered a plus. Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.

ABOUT LEMON.MARKETS 🍋 We enable anyone to be an investor. Our mission is to grow investing opportunities for all European customers and businesses. By empowering FinTechs, banks, and wealth managers to offer investment products, we help create financial well-being for their customers. lemon.markets is a Brokerage-as-a-Service platform: simple digital access to capital markets through a single API. Our API-first infrastructure abstracts brokerage complexity with a well-documented API, a self-service customer operations portal, and a clear regulatory framework, so partners can launch customer-centric, compliant products in weeks, not months. As part of the dwpbank Group, we share a clear goal: we enable anyone to be an investor by making investing in capital markets more accessible. By combining dwpbank’s long-standing expertise and stability with lemon.markets’ technology-first mindset and speed, we are building a modern, modular securities services ecosystem. Together, we offer faster time-to-market, modular services, and a modern customer experience that helps financial service providers stay competitive and respond more flexibly in a changing market. YOUR MISSION As our KYC Operations Specialist, you will help ensure that our B2B client onboarding and lifecycle processes are compliant, reliable, and scalable in a regulated environment. You will report to the Customer Operations Lead and work in the 1LoD alongside AFC Operations and Customer Service, collaborating closely with the Customer Lifecycle Domain, 2LoD Compliance, and KYC teams at our partners. Your work will directly support smooth client onboarding, strong risk management, and accurate customer account data, helping us follow best practices while enabling our partners to operate with confidence. Over the next 6 to 12 months, your focus will be on executing high-quality end-to-end KYC processes, strengthening routine controls, and helping improve the operational setup around customer lifecycle and compliance-related workflows. The role sits at the intersection of operations, compliance, and partner collaboration, where good judgment and attention to detail have a direct impact on risk, audit readiness, and customer experience. This is a strong opportunity to shape and improve mission-critical processes as they scale in complexity and volume. IN THIS ROLE YOU WILL: * Oversee end-to-end KYC processes for B2B clients together with internal stakeholders and partner KYC teams, including onboarding, periodic reviews, and offboarding, to ensure compliant and efficient customer lifecycle management. * Conduct due diligence on corporate clients by reviewing legal entity structures, UBOs, source of funds, and corporate documentation, enabling robust risk assessments and sound onboarding decisions. * Assess client risk profiles in line with internal policies and regulatory requirements, escalating high-risk clients, suspicious activity, and compliance concerns to AFC Operations, Compliance, and other relevant teams when needed. * Maintain accurate customer records, KYC documentation, and risk assessments across internal systems, ensuring audit readiness, timely renewals of key documents, and reliable customer account data. * Collaborate closely with the Customer Lifecycle Domain, AFC Operations, Customer Service, 2LoD Compliance, and external partners to resolve KYC-related issues, clarify requirements, and keep operational processes running smoothly. * Improve KYC workflows, work instructions, and reporting together with cross-functional teams, helping the organisation scale operations, adapt to regulatory changes, and reduce manual effort over time. YOU’LL BE SUCCESSFUL IN THIS ROLE IF YOU: * You bring 5+ years of relevant experience in Customer Operations or KYC Operations within the financial industry, ideally in a fintech or similarly fast-moving regulated environment. * You have a deep understanding of KYC, AML, and CTF requirements in B2B settings, including experience with corporate structures, UBO identification, legal entity forms, and risk-based due diligence. * You are strong in risk assessment, document validation, and handling complex onboarding or lifecycle cases with a high level of accuracy, independence, and sound judgment. * You are comfortable with KYC tools, CRM or onboarding systems, and operational tooling such as Jira, Jira Service Management, and Confluence, and you know how to maintain clean and reliable records. * You are fluent in English and speak German fluently; French language skills would be a plus. * You thrive in fast-changing and unstructured environments, take ownership beyond narrow role boundaries, and actively improve processes, tools, and operational outcomes where needed. HOW WE TAKE CARE OF YOU: * 🚀 Compensation package: We offer you a competitive salary, based on your experience and the value-add you bring to lemon.markets. * 🕑 Flexible working hours: We trust people to choose when they work best and avoid a rigid 9 to 5 mindset. You decide on the rhythm that helps you do your best work, with only shared core hours from 12:00 to 16:00 to support collaboration. * 🏢 Hybrid work setup: You can work from anywhere in Germany within a hybrid model. At the same time, in-person collaboration is a key part of our culture. That being said, individual contributer lemoneers work 4 days or more in our Berlin office, spending quality time together with the team at events, onsites/offsites or over team dinners. * 📈 Grow with us: We take your personal development seriously! You’ll get regular mentorship and stretch opportunities, a clear career development framework with frequent feedback conversations as well as an annual learning budget. * 🌱 People & culture: You’ll feel our culture in the small things, like polaroids from our lemoneers’ first day, Friday food market strolls at Maybachufer, and our monthly new-joiner breakfast. But also in the bigger things: celebrating the onboarding of new partners, growing our teams, and owning a strong discussion culture. * 💛 Perks & benefits: We choose benefits that add actual value. We sponsor a Deutschlandticket for employees on unlimited contracts, plus 50% off on Beatvest - our partner for financial education and investing. * 🏝 Workation: Get out of here! At lemon.markets you can work remotely from anywhere in the EU for up to 10 consecutive days at a time, and up to 60 days per year in total. As an equal opportunity employer, lemon.markets is committed to building an inclusive workplace. The company welcomes people from all different backgrounds, including age, citizenship, ethnic and racial origins, gender identities, individuals with disabilities, marital status, religions and ideologies, and sexual orientations to apply. If you feel this role could be a great match for you even if you don’t tick every box, we’d still love to hear from you, please apply. You have any questions? Feel free to contact us via talent@lemon.markets.com