SAR Delegate / AFC Senior Associate

About the opportunity

We are currently looking for a Financial Crime SAR Specialist (SAR Delegate - AFC Senior Associate) to join the Spanish MLRO Team. In this role, you will be in charge of autonomously coordinating and making decisions on operational financial crime related topics of the Spanish Branch. If you have a strong regulatory and investigation background, and you are interested in working in an international setting with a high pace and tech driven environment, this is your place.

You will work with a team of highly motivated colleagues, supporting the coordination between the Spanish branch MLRO function and the AML/CTF Technical Unit, as well as with other functions at Global level in topics related to Anti-Money Laundering, Terrorism Financing, Fraud Prevention and Sanctions; supporting the ES MLRO team in fulfilling its regulatory obligations.

In this role, you will:
Oversee complex case investigations, escalated by the Technical Unit
Review SARs, ensuring quality according to SEPBLAC expectations
Assist on how to address the RFIs and to interpret legal/tax documentation received from customers
Provide guidelines individually and collectively. Prepare and deliver formal training to the investigators
Attend regular meetings to follow up on actions planned, workloads, prioritisation of tasks, etc.
Implement and improve local procedures based on the local regulatory challenges and the group's standard
Coordination with other operational functions working on the Spanish market
Work alongside multiple stakeholders within AFC and in the business to ensure a scalable and efficient platform
Promote initiatives that increase quality and lead projects seeking for improvements and efficiency in the ways of working
Support the MLRO, including but not limited to communications with regulatory authorities and FIU
What you need to be successful:

Background:

A university degree in economics, law, business, or other relevant areas
Professional experience gained in an anti-financial crime or compliance or risk management role, ideally with at least 5+ years
Proven experience in complex investigations and SARs (comunicación por indicio F19) with SEPBLAC
A professional Financial Crime qualification from an internationally recognised body (e.g. ICA, ACAMS) would be beneficial

Skills:

In-depth knowledge of European and Spanish regulations on Financial Crime (AML/CTF, fraud, tax evasion)
You are fluent in English and Spanish, spoken and written
Experience with SQL and Python would be a plus
Proven ability to relate to the Authorities
Hardworking, team worker and attentive to detail
Strong analytical, advisory, communication and presentation skills, and initiative are among your strengths
Knowledge of the Spanish regulatory environment and relevant processes with regard to topics such as KYC, financial crime risk assessment, transaction monitoring, fraud / terrorist financing, sanctions / embargoes, and screening
Advanced use of MS Office (G suits) skills for Excel and Word
You are detail oriented, diligent and reliable
You are a great team player
You have a hands-on mentality and take on ownership
You should enjoy a fast-paced working environment, show high willingness to learn and work autonomously to grasp new topic
What's in it for you:
Accelerate your career growth by joining one of Europe's most talked about disruptors
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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.
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 family statuses.
A relocation package with visa support for those who need it.
Who we are

N26 has reimagined banking for today's digital world. Technology and design empower everything we do and it's how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Sounds good? Apply now for this position.

Equal Opportunities:

We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.

We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to [email protected].

Visit our website to learn more about Diversity, Equity, & Inclusion at N26.