Associate, AFC Compliance

Bitpanda LA; Barcelona; Híbrido; EUR 40.000 - 60.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid working model

Stock option plan

OpenUP mental wellbeing resources

Udemy online courses

Additional parental leave

Descripción de la vacante

Bitpanda is seeking an Associate in our AFC Execution team to strengthen the second line of defense on AML compliance. You will collaborate with Customer Operations, Risk, Legal, and AML leadership to ensure cases are handled thoroughly and promptly.

The role offers a hybrid working model with on-site options in Barcelona and other European offices, a strong focus on accountability, and opportunities to influence compliance across the organization.

Formación

• Proven AML Officer or financial crime compliance experience, ideally in crypto, fintech, or banking.
• Strong judgement, documented decisions, and escalation when required.
• ACAMS or similar qualification is desirable.

Responsabilidades

• Conduct investigations for EDD, PoF/W, TxM alerts, and PEP/Sanctions screening using OSINT.
• Prepare high-quality case documentation and AML case presentations.
• Make well-reasoned compliance decisions balancing regulatory requirements and customer impact.
• Collaborate with AML Ops, KYC Ops, Risk Ops, Payment Ops, Customer Care and Legal; participate in continuous improvement.

Conocimientos

AML experience

OSINT research

Risk assessment

Professional judgment

Regulatory awareness

Educación

ACAMS certification

Herramientas

Case management systems

AML software

Descripción del empleo

Who We Are

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!

Who We Are

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 Associate, you will be an integral part of the second line of defense within our Anti-Financial Crime (AFC) Execution team. This role sits within the second line of defence and supports the governance and execution of our AFC/AML Compliance framework. As Bitpanda continues to scale, we are strengthening our AFC Compliance capabilities with a focus on clear accountability, high-quality decision-making, and a customer-aware approach to compliance.

You will work closely with Customer Operations, Risk, Legal, and AML leadership to ensure compliance cases and escalations are handled thoroughly, consistently, and with appropriate urgency, balancing regulatory requirements with a strong awareness of customer and business impact.

What You’ll Do

• Conduct investigations for Enhanced Due Diligence (EDD), Proof of Funds / Wealth (PoF/W), Transaction Monitoring (TxM) alerts, and PEP/Sanctions screening, using OSINT research and crypto exposure analysis, ensuring timely progression, clear decisions, and well-documented outcomes. As a second-level compliance executor, you will ensure that controls in the PoF/W and TxM areas are applied consistently.
• Prepare high-quality case documentation, including supporting evidence, statements of facts, AML Officer case presentations, and SARs or Approval/Refusal decisions where applicable.
• Make well reasoned compliance decisions that balance regulatory requirements and financial crime risk with awareness on customer impact while adhering to defined SLAs and communicating complexity in a transparent manner
• Contribute to reporting requirements by preparing and collecting data for the Controls Report and delivering results for the Quarterly and Annual AML Reports.
• Collaborate closely with first-line teams (AML Ops, KYC Ops, Risk Ops, Payment Ops, Customer Care) and Legal to manage escalations effectively, providing clear guidance, status updates, and resolution paths. You will actively participate in continuous improvement initiatives to improve collaboration across the various teams.

Who You Are

• You bring relevant proven experience as an AML Officer or in a similar financial crime compliance role, ideally within crypto, fintech, or banking and a track record of taking responsibility in the field
• You are confident exercising professional judgement, documenting decisions clearly, and escalating appropriately when required.
• ACAMS or a similar qualification is desirable. Practical experience, critical thinking, and accountability are equally valued. For you, good customer experience and strong compliance walk hand in hand.
• You are organised and comfortable working in an environment with high regulatory standards and are comfortable to work a shift-based 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 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 our additional 8 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).