Specialist, AFC Advisory & Oversight Bitpanda Enterprise

Raisin

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.

lemon.markets

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

Qonto

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join our Anti-Financial Crime team as an MLRO/Anti-Financial Crime Officer (Belgium) to build, run and continuously improve Qonto’s financial crime framework for the Belgian market. You will report to Florence, our Anti-Financial Crime Director (Western Europe) and play a key role in Qonto’s Belgian expansion by ensuring we meet local AML/CFT requirements, manage Suspicious Activity Reports, and maintain trusted relationships with Belgian authorities. Your work will directly support Qonto’s ability to onboard and serve Belgian clients safely, compliantly and at scale. ➡️ What you'll do Continue the implementation of Belgian AFC processes: manage and continuously improve financial crime processes for the Belgian market, ensuring compliance with local regulations and alignment with Qonto’s roadmap. Represent Qonto with local authorities: Engage with the Belgian Financial Intelligence Unit (FIU) and relevant regulatory authorities as a key point of contact for financial crime matters. Own SAR management: File and manage Suspicious Activity Reports (SARs) with Belgian authorities, ensuring every report is accurate, timely and aligned with local regulatory expectations. Build local policies and procedures: Draft, adapt and implement financial crime policies and procedures tailored to Belgian market requirements. Monitor operational performance: Track AFC KPIs, identify delays or backlogs, and drive improvements that make processes more efficient, reliable and scalable. Take on local representation responsibilities: Serve as Deputy Managing Director of Qonto’s Belgian branch, representing the entity with Supervisory authorities, approving risky-client onboarding, and reporting into the relevant Risk Committee, Board and Country MBR in line with Qonto’s policies. ➡️ What we're looking for Strong AFC / compliance experience: You have extensive experience in financial crime prevention, AML/CFT processes or regulatory compliance, ideally in a fintech, banking or broader financial services environment. Autonomous operator: You are comfortable owning a market-critical scope independently, making sound decisions and navigating ambiguity in a regulated environment. Analytical mindset: You can understand complex regulatory requirements, assess risk, and translate them into clear operational decisions and processes. Stakeholder management: You build trusted relationships with internal and external stakeholders, including AFC, MLROs, Sanctions, Risk & Compliance, Product, Tech and regulatory bodies. Hands-on and proactive approach: You are energetic, pragmatic and able to take initiative in a market-building context where processes are still evolving. Languages: You communicate clearly and professionally in English and French. Flemish or Dutch at C2 level is a strong plus for local Belgian interactions. ➡️ What we can offer you Direct regulatory impact: Your work will shape how Qonto operates in Belgium and ensure we meet local financial crime obligations with the right level of quality and accountability. A market-building opportunity: Belgium is a growing market for Qonto. You will join at an important stage and help build scalable AFC processes from the ground up. Cross-functional exposure: You will work closely with AFC, MLROs, Sanctions, Risk & Compliance, Product and Tech, giving you broad visibility across Qonto’s operating model. A high-autonomy role: You will be trusted to own decisions, drive improvements and represent Qonto on sensitive regulatory topics. Support from experienced teams: While you will be dedicated to the Belgian market, you will have access to central expertise and support from AFC and compliance teams across Qonto. ➡️ Your future manager Your manager will be Florence Cervoni, our Anti-Financial Crime Director Western Europe. Her path? Florence is a certified AML specialist with strong experience in financial crime, AML/CFT and sanctions. Before Qonto, she led BoursoBank’s Financial Crime framework and held several senior compliance roles at Société Générale & Crédit du Nord. What does she bring to the team? Florence brings hands-on AFC expertise, strong process-improvement skills and solid leadership in regulated environments. She will provide clear priorities and technical guidance while trusting the person to own the Belgian scope autonomously.