Senior Anti-Financial Crime & Onboarding Analyst

Bitpanda

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!     YOUR MISSION As Senior Specialist Anti Money Laundering, you will be responsible for ensuring a robust, effective and scalable AML/CFT and sanctions compliance framework for Bitpanda’s activities in Germany. You will act as the key senior AML specialist in Germany, ensuring compliance with the German Money Laundering Act, BaFin expectations, FIU requirements, applicable EU AML/CFT rules, the Transfer of Funds Regulation / Travel Rule, and Bitpanda Group standards. WHAT YOU’LL DO * Support the AMLO: Deputise for the appointed AMLO/Geldwäschebeauftragter and manage regulatory reporting, correspondence, and interactions with BaFin, FIU, and auditors. * Ensure Regulatory Alignment: Maintain compliance with the German GwG, BaFin guidance, FIU expectations, MiCAR, MiFID, EU Transfer of Funds Regulation, and sanctions. * Execute AML Control Framework: Design, execute, and test second-level AML controls, while tracking and remediating any audit or internal findings. * Oversee High-Risk Compliance: Manage PEPs, high-risk customer reviews, Source of Funds/Wealth assessments, transaction monitoring, sanctions escalations, and onboarding decisions. * Drive Automation & Audits: Support internal/external audits, ensure robust documentation trails, and collaborate with cross-functional teams to automate workflows and data-led processes. WHO YOU ARE * Experienced AML Professional: Bring 3–6 years of hands-on AML/CFT experience in financial services, fintech, payments, or crypto (ideally as a deputy MLRO or senior analyst). * Regulatory Expert: Hold a solid working knowledge of German GwG, BaFin expectations, FIU reporting, MiCAR, MiFID, EU Travel Rule, and crypto-asset services. * Crypto Risk Savvy: Understand crypto-native financial crime risks, including self-hosted wallets, blockchain analytics, mixers, bridges, and sanctions evasion. * Process & Stakeholder Oriented: Able to translate regulations into scalable, automated processes and confidently interact with senior management, regulators, and cross-functional teams. * Language: Fluency in both English and German.   WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).

360T

YOUR ROLE As Senior Anti-Financial Crime Manager & Deputy MLRO you are responsible for the effective operation, coordination and continuous enhancement of 360T's Anti‑Financial Crime framework. You act as a senior subject‑matter expert across AML/CTF, sanctions, fraud prevention, and related financial crime risks, supporting the MLRO and senior Compliance management in safeguarding 360T’s regulatory integrity. In this role, you combine strategic oversight with hands‑on operational involvement. You serve as a senior escalation point for complex AFC matters, advise business and management on financial crime risks, and contribute to governance, risk assessment and control effectiveness across the organization. YOUR RESPONSIBILITIES * Supporting the MLRO and Compliance leadership in the implementation and ongoing operation of the firm’s AFC framework * Managing and overseeing AFC activities across AML/CTF, sanctions compliance, fraud prevention and related controls * Acting as senior escalation point for complex or high‑risk AFC cases, including AML investigations, sanctions hits and fraud scenarios * Reviewing and approving AFC assessments, case analyses and recommendations prepared by operational teams * Coordinating AFC risk assessments, including business‑wide, product‑, customer‑ and geography‑based risk analyses * Advising business units and senior management on AFC‑related risks, onboarding decisions and mitigation measures * Supporting regulatory interactions, audits and inspections, including preparation of documentation, walkthroughs and responses * Contributing to AFC policies, procedures and control frameworks, ensuring consistency, proportionality and regulatory alignment * Monitoring regulatory developments and contributing to the assessment of their impact on the AFC framework * Supporting training and awareness initiatives, including the development of AFC‑related training content * Driving continuous improvement initiatives, including process optimization, quality assurance and control enhancements * Mentoring and guiding junior AFC colleagues and acting as a role model for professional standards YOUR PROFILE * Ideally, State Examination or equivalent degree in Law, or a comparable academic background (e.g. Business Law, Economics, Finance, Compliance) * Ideally, 5+ years of relevant professional experience in AML/AFC, preferably within a regulated financial institution * Strong practical knowledge of AFC topics, including AML/CTF, sanctions regimes, fraud risks and escalation processes * Proven analytical, investigative and conceptual skills, with high standards for documentation and decision‑making * Strong advisory and communication skills, including interaction with senior stakeholders and control functions * Structured, risk‑based and solution‑oriented working style * High level of integrity, independence and professional judgment * Ability to operate autonomously while contributing effectively to cross‑functional teams * Experience in coordinating teams, projects or workstreams is an advantage OUR OFFER * Regular Performance Appraisals: Continuous feedback to help you grow and excel * Learning and Development: Access to growth opportunities, including our internal "360T Academy" * Prime Location: A modern Frankfurt office in the heart of the city * Diverse Culture: Work in a multinational, multicultural environment that values collaboration and inclusion * Team Bonding: Enjoy social gatherings and a supportive team atmosphere We offer an outstanding opportunity for a highly motivated individual to participate in the growth of a successful technology company in the financial sector. The position is based in Frankfurt am Main and is available immediately. HOW TO APPLY If your background and qualifications meet these specifications, please forward your application, including your salary expectation and earliest starting date, by clicking the “Apply” button. CONTACT Irune Del Buey People & Culture Manager Send email Grüneburgweg 16-18 60322 Frankfurt am Main

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.