Senior Associate - MLRO Office (déclarant Tracfin)

About the opportunity

We are currently looking for Senior Associate (déclarant Tracfin) to join the French MLRO Team. You will be in charge of coordinating and making decisions on Anti Financial Crime Operations related topics: review of investigations, SAR drafting, SAR review and submission, ongoing due diligence, EDD process, quality of the investigations, and tailored training. You will be the reference point of contact for our AFC Operations team, you will support them with your guidance and participate in their upskilling.

You have a strong Bank Financial Crime background, a robust operational experience in an international setting and you are before all an excellent investigator. You have experience in SAR drafting and have been acting as ‘correspondant/déclarant Tracfin’.

You thrive in fast paced and tech driven environments; a first experience in fintech is a plus. You have proven transverse management skills and like to enable and upskill the team members. You are benevolent yet have high quality standards.

You will work with a team of highly motivated and diverse staff. You will support the coordination between branch Compliance/AFC function and the AFC Operations department as well as with other departments at Global. You will be acting as ‘correspondant/déclarant Tracfin’ and participate in the communication with other authorities.

In this role, you will:

• Review investigations made by the AFC Operations department.
• Assist AFC Operations on their investigations.
• Oversee complex case investigations, sanctions reviews, and other AFC related processes.
• Draft, review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Correspondant/Déclarant Tracfin.
• Review complex Authority Requests.
• Provide guidelines individually and collectively.
• Prepare and deliver formal training.
• Prepare necessary templates for AFC Ops communication with customers.
• Implement and improve local procedures based on the local regulatory challenges and the group’s standard.
• Coordination with other operational functions working on the French market.

What you need to be successful:

Background:

• Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike.
• Professional experience gained in anti-financial crime, with at least 5 years of experience.
• Proven experience in operational functions, including investigation, and SAR drafting but also transaction monitoring, sanctions and adverse media screening.

Skills:

• In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions)
• Deep investigation expertise.
• French as mother tongue, fluency in French and English spoken and written.
• Excellent written skills in French.
• Excellent communication skills and ability to work with a wide variety of stakeholders.
• Proven ability to liaise with the French Authorities.
• Hardworking, strong team player, benevolent and resilient.
• Diligent and reliable, solution driven and committed, ability to work under pressure.
• Strong analytical, advisory skills, high quality standards and attention to detail.
• You have a hands-on mentality and take ownership.
• You should enjoy a fast-paced working environment, show high willingness to learn and work autonomously to grasp new topics.

Traits:

• Actively help yourself (and others) to be successful.
• Continuously learn and challenge the status quo.
• Think globally, act locally.
• Benevolent and demanding.

What’s in it for you:

• Accelerate your career growth by joining one of Europe’s most talked about disruptors.
• Hybrid work:2 days in our Paris office and 3 days from home each week (team-set cadence; occasional changes for key meetings).
• Employee benefits include discounts to fitness & wellness memberships, public transportation and more.
• A Premium N26 bank account. As well as subscriptions for friends and family members.
• Varying vacation days depending on your location of work.
• 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 backgrounds.

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.