AML Manager, Austria

Bunq; Wien; Hybrid; EUR 108,000 - 120,000; Full time

Benefits offered by this job

Learning budget

Travel expenses

MacBook provided

Monthly allowance

Team events

Job summary

bunq is expanding into Austria and seeking an AML Manager Austria to be the accountable local compliance owner. You’ll drive the EU passporting process, set up Austrian AML/CFT operations, and build AI-powered processes to cover what a full department would.

You’ll operate solo without a local team, reporting into HQ Compliance, and act as the liaison with the FMA, managing supervisory dialogues, audits, and inspections.

Qualifications

• Live in Austria and are fluent in German and English.
• Deep, hands-on knowledge of the Austrian AML/CFT framework and FMA requirements, ideally from 7+ years in AML, fraud, KYC or CDD
• Experience contributing to a regulatory notification or licensing process, such as EU passporting or a banking/EMI license application
• A track record of owning a compliance program end to end and using AI tools to automate the work
• Sound regulatory judgment and a feel for balancing risk with the needs of a fast-growing tech company
• Nice to have: experience with AML inspections or regulatory audits, or with a role that owned several compliance areas at once.

Responsibilities

• Lead Austria entry by shaping passporting content to the FMA and set up reporting line to HQ Compliance.
• Adapt AML/CFT framework to Austrian law, own the integrity risk assessment and oversee FIU reporting using AI-first processes.
• Be bunq's trusted contact for the FMA, leading supervisory dialogues, audits and inspections.

Skills

German fluency

English fluency

AML/KYC/CDD expertise

Regulatory affairs

Tools

AI automation tools

Job description

At bunq, we're more than a bank. We're on a mission to make banking work for people wherever they live in Europe. With local IBANs, our users can pay rent, sign up for the gym and get paid like a local from day one. Every successful transaction is a step toward making them feel at home and letting us truly "Make Life Easy."

Austria is next, and we need someone on the ground to make it happen. As our AML Manager Austria, you'll be bunq's accountable local owner of compliance in Austria. You'll help bring bunq into the market through the EU passporting process, then run AML operations, integrity risk and financial crime reporting for the country. You won't have a local team. Instead, you'll build and use AI tools that let one person cover what a traditional bank staffs with a full department.

Think you're up for the challenge? Join us in making a real impact on users' lives while scaling AML operations across Europe

What you'll own

• Lead bunq's entry into Austria by shaping the local content for the passporting notification to the FMA, including the business plan, organizational and operational setup, localization requirements and timelines, and set up your reporting line into HQ Compliance from day one
• Adapt bunq's AML/CFT framework to Austrian law, own the integrity risk assessment (SIRA) and oversee FIU reporting, using AI-first processes that keep the branch compliant and every filing on time
• Be bunq's trusted contact for the FMA, leading supervisory dialogues, audits and inspections

• You live in Austria and are fluent in German and English
• Deep, hands-on knowledge of the Austrian AML/CFT framework and FMA requirements, ideally from 7+ years in AML, fraud, KYC or CDD
• Experience contributing to a regulatory notification or licensing process, such as EU passporting or a banking/EMI license application
• A track record of owning a compliance program end to end and using AI tools to automate the work
• Sound regulatory judgment and a feel for balancing risk with the needs of a fast-growing tech company
• Nice to have: experience with AML inspections or regulatory audits, or with a role that owned several compliance areas at once.

Your space to perform

We give you the space and the tools you need to succeed

Great, international colleagues who share your mindset

Make lasting impact by working on complex & exciting challenges

Remote setup: after 3 weeks onboarding in Amsterdam ("AMS") office, work 2 weeks a quarter in AMS - the rest of time you can work in Austria.

A competitive base annual salary range €108,000-€119,700, and final offer will be based on the candidate's qualifications and competencies.

We support growth with bunq Academy and €1500 annual learning budget

Travel expenses are covered for AMS visits

A MacBook so you can Get Shit Done with us

€60 monthly allowance that rolls over monthly and resets annually, replacing the phone/internet line above

Frequent epic events, including an annual bunq weekend away

All new hires are subject to Pre-employment Screening (PES), which includes checks conducted by our third-party partner, Zinc. This is part of our commitment to a secure and trustworthy workplace.