FinCrime AML/CTF Specialist

United States Digital Space LLC; Berlin; Vor Ort; EUR 70.000 - 100.000; Vollzeit

Benefits dieser Stelle

Relocation support

Hybrid working policy

Unlimited PTO

Flexible working hours

Stock options (CareAbout)

Zusammenfassung

United States Digital Space LLC in Berlin (relocation to Luxembourg) seeks an AML/CTF Specialist to apply advanced investigative methods on high-risk compliance matters. You will manage TM workflows, perform SoF/SoW investigations, and draft SARs to ensure regulatory integrity.

You will lead deep-dive reviews, optimize detection rules, and liaise with Legal and Compliance to translate evolving regulations into practical controls. Relocation support is provided.

Qualifikationen

• 3+ years of experience in a first-line AML operations or specialized compliance role.
• Expert understanding of AML Directives, FATF recommendations, and Luxembourg AML laws.
• Ability to operationalize mandates into detection systems and risk workflows.
• Experience with transaction monitoring, SoF/SoW investigations, and SARs.
• Strong written communication for regulatory reports and escalation.

Aufgaben

• Apply investigative methodology to resolve high-risk compliance matters.
• Oversee Transaction Monitoring workflows focused on AML typologies and detection rules.
• Lead deep-dive reviews of high-risk accounts and ownership structures.
• Conduct SoF and SoW investigations with rigorous documentation and data analysis.
• Disposition on complex Name Screening alerts with defensible rationale.
• Draft and finalize Suspicious Activity Reports for AML-centric cases.
• Escalate AML issues and support policy optimization and QA reviews.

Kenntnisse

AML/CTF expertise

Analytical thinking

Regulatory knowledge

Tools

ComplianceAssist

Jobbeschreibung

Please note that this job requires mandatory relocation to Luxembourg.

About us

the company began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives.

By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need.

What you'll be doing

As our FinCrime AML/CTF Specialist, you’ll be the person who applies expert investigative methodology to resolve high-risk compliance matters, ensuring the company’s integrity in an evolving regulatory landscape. Here's what your day-to-day will look like:

• Detection & Trend Analysis – Managing Transaction Monitoring (TM) workflows focused on AML typologies, proactively identifying emerging trends, and spearheading the creation of new alerting systems and detection rules to improve overall network security.

• Advanced Enhanced Due Diligence (EDD) – Leading deep-dive reviews of high-risk accounts, complex entity ownership structures, and jurisdictional risks.

• Specialized Investigations – Conducting thorough Source of Funds (SoF) and Source of Wealth (SoW) investigations, verifying legitimacy through rigorous documentation and data analysis.

• High-Stakes Disposition – Performing expert disposition on complex Name Screening alerts (e.g., sanction/PEP hits) that require detailed risk assessment and defensible rationales.

• Regulatory Reporting – Consistently preparing, drafting, and finalizing high-quality Suspicious Activity Reports (SARs) for Fraud and AML-centric cases.

• Technical Escalation Management – Acting as the primary resource for resolving AML-centric escalations from the wider Monitoring team.

• Policy & Intelligence – Supporting the optimization of the AML/CTF policy framework by translating regulatory updates into operational processes and analyzing high-risk typologies to sharpen our controls.

• Stakeholder Liaison – Serving as a key contact for internal Legal and Compliance teams and supporting Quality Assurance (QA) reviews for high-risk case dispositions.

Who we're looking for

We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you?

• Experience – You bring 3+ years of experience in a first-line AML operations or specialized compliance role, with proven experience in handling complex entity structures and turning regulatory requirements into actionable procedures.

• Regulatory-to-Operational Expertise – An expert understanding of AML Directives, FATF recommendations, and local Luxembourgish AML laws, paired with the ability to operationalize these mandates into detection systems and risk workflows.

• Analytical Prowess – Superior critical thinking skills with the ability to synthesize complex, disparate data from internal and external sources (OSINT, company registers, etc.) into actionable conclusions and improved alerting logic.

• Reporting Excellence – Exceptional written communication skills for drafting detailed, defensible regulatory reports that clearly articulate the operational risk.

• Technical Skills – Proficiency in utilizing external screening databases (e.g., ComplianceAssist) and a deep understanding of how to leverage TM systems and data tools to detect sophisticated typologies.

• AML Typology & Flow Mastery – The ability to navigate the highest levels of complexity with full autonomy, identifying hidden risks and designing the flows needed to mitigate them.

• Strategic Risk Communication – The ability to act as the definitive voice on AML risks, providing the technical and operational guidance needed to address emerging threats.

• Core Values – Unwavering ethical judgment, extreme attention to detail, and the discretion required to handle highly sensitive customer information.

CareAbout: how we support your impact

We move fast, and evolution never stops. It’s a fun ride, but it can be challenging. To make sure our people truly thrive, we’re committed to making their lives easier, both in the office and out in the world. That’s why we created CareAbout:

• Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops)

• Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you’re moving countries)

• Growth and development (Professional development programs, Internal mobility, Language courses with Preply)

• Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours)

• Family (Enhanced parental leave, Additional leave for child sickness)

• We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.

Equal opportunity employer

At the company, we\'re proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!

Learn more about us

Our values and pillars aren\'t just fancy words on a page - they really shape everything we do. Explore them here.

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