AFC Operations Team Lead
N26 is a 100% mobile bank based in Berlin, Germany, offering banking, saving, and investing all in one app. It serves millions of retail customers across 24 European markets, providing free and premium bank accounts, savings products, and investment options.
Projects
About N26
N26 is Germany's first fully mobile bank, holding a full banking license from BaFin (the German Federal Financial Supervisory Authority). It offers a range of personal banking products including free and paid current accounts (Standard, Smart, Go, and Metal plans), virtual and physical Mastercards, joint accounts, and accounts for minors under 18. Customers can also access Instant Savings accounts with interest rates varying by plan, and a flexible cash fund investment product managed by Fidelity International offering variable returns. Through a partnership with Upvest Securities GmbH, N26 enables customers to invest in over 5,000 stocks, ETFs, and ready-made funds directly within the app, with savings plans starting from €1. The N26 Go and Metal plans also include travel-focused benefits such as cashback, favorable exchange rates, airport lounge access, and free ATM withdrawals abroad. N26 operates in 24 markets worldwide, serves over 8 million customers, and protects deposits up to €100,000 under the German Deposit Protection Scheme. Its typical clients are individual retail banking customers seeking simple, mobile-first banking, saving, and investing solutions.
Skills
About the Role
You will support all Anti-Financial Crime tasks including AML, terrorism financing, sanctions, KYC, and fraud. You'll detect Money Laundering typologies and Financial Crime patterns, while handling external and internal requests to detect potential financial crime. You will lead and manage a team of analysts and investigators, ensure timely and accurate investigations, oversee daily operations for regulatory compliance, and coordinate with other departments to enforce and improve AFC policies. You'll also support responses to audits and regulatory inquiries and foster a culture of continuous learning within your team.
Requirements
- Several years with relevant banking experience in Anti Financial Crime
- Strong leadership and team management skills
- Experience on German AML/CTF regulation and handling reporting to BaFin
- Bachelor's degree (ideally in law, business or finance) preferred, but not essential
- Knowledge use of MS Office (G suite) skills for Excel and Word
- In-depth understanding of Anti-Financial Crime regulations and compliance standards
- Fluent in English spoken and written
- Ability to coach, mentor, and develop team members
- Strategic thinking with a focus on process improvement
- Ability to manage multiple priorities and meet deadlines
Responsibilities
- Lead and manage a team of analysts and investigators
- Ensure timely and accurate investigation of suspicious activities and reporting
- Oversee daily operations to ensure compliance with regulatory standards
- Monitor and report on the effectiveness of AFC controls
- Coordinate with other departments to implement and enforce AFC policies
- Develop and implement process improvements to enhance operational efficiency
- Support responding to audits and regulatory inquiries as needed
- Foster a culture of continuous learning and professional development within the team
- Promote teamwork and collaboration to achieve shared objectives
Benefits
- Competitive personal development budget
- Work from home budget
- Discounts to fitness & wellness memberships, language apps and public transportation
- Premium subscription on personal N26 bank account, plus subscriptions for friends and family
- Additional day of annual leave for each year of service
- Relocation package with visa support