AFC Operations Lead: AML & Compliance Excellence

N26 Inc.; Madrid; On-site; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Personal development budget

Work from home budget

Discounts to fitness & wellness

Language apps

Public transportation

Premium N26 bank account subscription

Relocation package with visa support

Job summary

N26 Inc. seeks an experienced AFC Operations Team Lead in Madrid to guide AML/CTF, sanctions, KYC, and fraud investigations. You will oversee a team, drive investigations, and report on AFC controls, while coordinating with departments to strengthen compliance and policies.

The role emphasizes leadership, regulatory know-how, and a proactive, learning-focused culture within a fast-paced digital bank.

Qualifications

• Several years with relevant banking experience in Anti Financial Crime.
• Strong leadership and team management skills.
• Experience on Spanish AML/CTF regulation and handling reporting to SEPBLAC.
• Bachelor’s degree (ideally in law, business or finance) preferred, but not essential.
• Knowledge of MS Office (G Suite) skills for Excel and Word.
• In-depth understanding of Anti-Financial Crime regulations and compliance standards.
• You are fluent in English and Spanish spoken and written.

Responsibilities

• Leading and managing a team of analysts and investigators.
• Ensuring timely and accurate investigation of suspicious activities and reporting.
• Overseeing daily operations to ensure compliance with regulatory standards.
• Monitoring and reporting on the effectiveness of AFC controls.
• Coordinating with other departments to implement and enforce/improve AFC policies.
• Developing and implementing process improvements to enhance operational efficiency.
• Support responding to audits and regulatory inquiries as needed
• Fostering a culture of continuous learning and professional development within the team.
• Promoting teamwork and collaboration to achieve shared objectives.

Skills

Leadership

Team management

Analytical mindset

English & Spanish fluency

Problem solving

Education

Bachelor’s degree in law/business/finance

Tools

MS Office

G Suite

Job description

N26 Inc. seeks an experienced AFC Operations Team Lead in Madrid to guide AML/CTF, sanctions, KYC, and fraud investigations. You will oversee a team, drive investigations, and report on AFC controls, while coordinating with departments to strengthen compliance and policies.

The role emphasizes leadership, regulatory know-how, and a proactive, learning-focused culture within a fast-paced digital bank.