AML–CFT Officer

A pioneer and market leader in Embedded Banking, Powens Group is committed to supporting financial players in designing services and payment experiences that users love.

Headquartered in Barcelona and Paris, Powens Group is at the forefront of the Banking-as-a-Service and Open Finance movements in Europe and Latin America. Our mission is to offer banking technology as a service to any company aiming to enhance user experience and operational efficiency. We achieve this through our API-based regulated solutions covering Bank accounts, Payment solutions, Open Banking / Finance, and more.

Powens Group is a rapidly growing fintech regulated in France and Spain, allowing operations in all European countries and in Mexico.

We are a trusted partner to the top financial industry players and software editors, and we have achieved this by scouting the best talents. Joining Powens Group means being a part of an inclusive, multicultural, and international team of over 130 employees.

Job Description:

As an AML–CFT Officer, you will be responsible for supporting the AML/CFT team in day-to-day operations, by reviewing our corporate portfolio through rigorous onboarding and lifecycle management.

Your missions:

High-Risk Corporate Onboarding: Responsible for the end-to-end Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) processes for legal entities (B2B).

KYB Refresh & Lifecycle Management: Execute periodic reviews and "refresh" triggers for existing corporate accounts. Ensure that B2B clients source of funds and wealth, UBO (Ultimate Beneficial Owner) information, business activity, and risk ratings remain accurate and compliant over time.

Policy Drafting & Optimization: Design, draft, and update internal Onboarding and KYB Refresh Policies. Identifying gaps in current procedures and implementing improvements to align with evolving regulations and the company’s risk appetite.

Reduce AML/CFT alert backlog by improving processing efficiency and ensuring accurate documentation.

Efficiency & Backlog Excellence: Optimize workflows to reduce the KYB onboarding and refresh backlog while maintaining the highest regulatory standards.

Reporting & Risk Assessment: Prepare detailed reports for high-risk corporate clients and provide technical recommendations to the Head of AML.

Regulatory Alignment: Ensure all corporate files meet the latest Spanish AML/CFT regulations and international Best Practices.

Profile and skills required:

Proven Experience: Minimum of 2 years of professional experience in AML/CFT, specifically focused on legal entities (KYB) within the Financial Sector (Fintechs, EMI, or Banking).

High-Risk Expertise: Demonstrated experience in performing Enhanced Due Diligence (EDD) on high-risk corporate clients and complex structures.

Academic background in Law, Economics, Finance, Political Science, or similar.

Language Skills: Bilingual in Spanish and fluent in English (verbal and written); other languages are a plus.

Regulatory Knowledge: Deep understanding of Spanish AML/CFT regulations (Ley 10/2010) and KYC/KYB framework. Advanced certifications (CAMS, ICA) are highly valued.

Proficiency in Microsoft Excel and PowerPoint; familiarity with compliance tools (ComplyAdvantage, Dow-Jones Factiva) or CRM systems (Hubspot) is appreciated.

Soft Skills: Strong analytical mindset, high attention to detail, and the ability to work on sensitive matters.

Detail-oriented, well-organized, and eager to learn.

Ability to work collaboratively as part of a team, but also independently when needed.

Recruitment process:

HR online interview

Online interview with Head of AML-CFT

Case study with Head of AML-CFT and Chief Compliance Officer

Culture fit with the team

Salary Range : 32K-35K base salary

Women are under-represented in the fintech industry. To women candidates, please dare to take your rightful place!

Powens Group is an Equal Opportunity Employer, we foster an inclusive and diverse working environment without any form of discrimination based on race, color, religion, sex, national origin, age, disability.. If reasonable accommodations are needed for the interview process, please let us know to accommodate!