Senior AML Lead - 2LoD Compliance & Controls

Banank; Madrid; On-site; EUR 90,000 - 120,000; Full time

Job summary

Banank, a neobank-style banking technology company, seeks an AML Manager to lead the Second Line of Defence (2LoD) in Madrid. The role focuses on designing, implementing, and continuously improving the AML system for a financial services firm supervised by SEPBLAC and the Bank of Spain, with international expansion in view.

You will oversee control testing, policy governance, monitoring, and regulatory liaison, balancing frictionless processes with robust AML controls while collaborating with

Qualifications

• 8-10 years proven AML experience in payments or financial services.
• Experience coordinating with internal teams to minimize customer friction.
• Deep practical knowledge of designing and executing control testing and risk-based reviews.
• Proficiency in AML/KYC regulations, control frameworks, and reporting standards (local and EU).
• Experience setting up from scratch a robust AML system including KYC, transaction monitoring, policies, STRs.
• Excellent analytical and investigative skills to identify systemic risks and report findings.
• Technical skills with AML tools: identification providers, screening tools, alerts systems, reporting tools.
• Strong attention to detail and ability to manage multiple assurance activities.
• Team player with independence to challenge 2LoD and collaborate.
• Fluent in English.

Responsibilities

• Design and maintain AML control framework for new products and services.
• Design and execute independent control testing, thematic reviews, and risk-based monitoring.
• Own, develop, and maintain AML policies, procedures, and risk appetite statement.
• Monitor KPIs and KRIs, and prepare independent reports for senior management and Board.
• Provide expert guidance and challenge to the 1LoD on new processes to mitigate AML risks.
• Coordinate responses for external regulatory audits and inspections; prepare STRs.
• Track remediation plans from testing and regulatory findings.
• Develop and deliver AML training to embed a strong AML culture.

Skills

AML expertise

KYC regulations

Control testing

Risk-based reviews

Regulatory liaison

Data analysis

Reporting skills

Remediation tracking

Training delivery

Stakeholder engagement

English fluency

Tools

Identification providers

Screening tools

Alerts systems

Reporting tools

Job description

Banank, a neobank-style banking technology company, seeks an AML Manager to lead the Second Line of Defence (2LoD) in Madrid. The role focuses on designing, implementing, and continuously improving the AML system for a financial services firm supervised by SEPBLAC and the Bank of Spain, with international expansion in view.

You will oversee control testing, policy governance, monitoring, and regulatory liaison, balancing frictionless processes with robust AML controls while collaborating with