AFC Manager - SAR Delegate Lead | MLRO France

About the Opportunity

We’re looking for a motivated and experienced AFC SAR Delegate Lead to oversee and drive our suspicious activity investigation and reporting framework for the French market.

This role is ideal for a hands-on compliance leader with deep investigation expertise who’s passionate about developing people, establishing robust 2nd LoD standards, and ensuring regulatory excellence. You’ll play a pivotal role in strengthening our Anti-Financial Crime operations, actively managing BAU MLRO queues, and serving as a key partner to the French MLRO and local authorities. Working closely with our AFC Leadership and cross-functional teams, you’ll ensure consistent execution of AML/CTF policies, continuous refinement of review processes, and proactive mitigation of financial crime risk across the business.

In this role, you will:

- Lead and oversee compliance with reporting and investigating possible instances of money laundering, suspicious activity, terrorist financing or fraud.

- Management, coordination, motivation and guidance for the French SAR Delegate Team.

- Participate in people management tasks (incl. interview processes and development of team members).

- Design, write and implement the working framework (incl. procedures and processes) for the 2nd LoD French SAR Delegate Team, including setting a working standard and clear instructions for documenting MLRO review cases and SAR approvals in a clear and uniform manner.

- Act as SPOC for AFCO SMEs with regard to the SAR review and investigation review process.

- Active management and ownership of the BAU MLRO queues.

- Provide ongoing and ad-hoc support on AML and CTF queries (both from internal and external stakeholders).

- Assist the French MLRO and (co-)decision-taking in the following areas: SAR, RFI, PEP, EDD and CRR.

- Assist with the identification, evaluation, monitoring and mitigation of operational risks with respect to AML and CTF processes and proactively suggest improvements.

- Support the French MLRO in steering AML and CTF BAU requirements and regulatory imposed projects.

- Support the French MLRO in reporting to the Management Board, Supervisory Board and national competent authorities.

- Ensure strategic cohesion of AFC strategy with N26 strategy.

- Support the business to understand and address AML and CTF risk.

- Devise and review relevant training to AFCO, business and its partners.

- Review Marketing materials to ensure compliance with AML and CTF requirements.

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

- Proven experience in team management and mentoring

Skills:

- Proven ability to manage, coach and mentor people.

- 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:

- Passionate about people.

- Actively help yourself (and oth