AML Operations Associate

Bitpanda; Barcelona; Hybrid; EUR 42,000 - 62,000; Full time

Benefits offered by this job

Hybrid work model

Stock option plan

OpenUP mental wellbeing resources

Extra vacation days

Udemy courses access

Discounts and rewards

Job summary

Bitpanda is seeking an AML & KYC Operations Associate in Barcelona to strengthen compliance in our crypto platform. You will mitigate financial crime risks and ensure regulations are met, combining analytical thinking with a customer-focused mindset.

You will perform SoF/SoW reviews, monitor transactions, and conduct PEP/RCA/SIP screenings, collaborating across teams to balance regulatory demands with user experience. Hybrid work model and global growth opportunities.

Qualifications

• University degree in Economics, Finance, or Law.
• Proven analytical and problem-solving skills.
• Interest/knowledge of AML regulation and crypto sector.

Responsibilities

• Review SoF/SoW for fiat transactions and low-risk customers.
• Analyze retail user financial data and request additional documents.
• Conduct transaction monitoring to determine PoF/PoW follow-ups.
• Conduct PEP, RCA and SIP screening reviews.

Skills

Analytical and problem-solving skills

Education

University degree in Economics, Finance, or Law

Job description

We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.

Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!

Your mission:

As an AML & KYC Operations Associate at Bitpanda, your mission is to actively contribute to the mitigation of money laundering and terrorist financing risks. You will ensure compliance with applicable regulations in the anti-financial crime field, demonstrating a strong commitment to preventing financial crimes perpetrated within the cryptocurrency environment. You possess a robust problem-solving and customer-oriented mindset.

What you’ll do:

• Perform day-to-day reviews for Source of Funds (SoF) and/or Source of Wealth (SoW), primarily focusing on fiat transactions and low-risk customers. You will diligently oversee customers’ financial activities and identify any potential red flags on users’ accounts.
• Analyze retail users’ financial data and their provided explanations. You will directly interact with customers to request any necessary additional documents.
• Conduct regular transaction monitoring reviews to assess if a follow-up PoF/PoW is required, always balancing the overall customer experience with strict adherence to regulatory requirements.
• Perform PEP, RCA and SIP screening reviews by assessing potential matches on politically exposed persons, their relatives and close associates, and special interest persons.

Who you are:

• Education: University degree in Economics, Finance, or Law.
• Skills: Proven analytical and problem-solving skills.
• Knowledge: Demonstrated interest in AML regulation (e.g., the AML Directives, the FM-GwG, the ESAs AML/CFT Guidelines) with a comprehensive understanding of different financial crime patterns and the broader AML/CFT landscape.
• Industry Interest: A keen interest in the rapidly evolving cryptocurrency industry.

Please Note: This is an evening shift position (from 3:30 PM until midnight) for either a Tuesday to Saturday or Sunday to Thursday schedule.

What’s in it for you

• Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice.
• Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan.
• Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP.
• Time to recharge – On top of your standard annual leave, prioritise your wellbeing in 2027 with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months.
• Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace.
• Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel.
• Support during life milestones – Take advantage of up to 8 additional weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family.
• Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long.
• Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda.
• Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent.
• Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration

.…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.

Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform.

Bitpanda is committed to fostering a fair and equal environment based on trust and mutual respect. We believe that a diverse and inclusive workplace is paramount to our success and we are committed to building a team that represents a wide variety of backgrounds, perspectives, and skills.

* These benefits may be adjusted at Bitpanda’s discretion and do not apply to our internships and exceptions to our Hybrid Working policy apply to teams with shift schedules or for folks whose roles require them to be in-office (think: Workplaces team or IT).