AFC Associate - SAR Delegate (Déclarant Tracfin)

Free resume; Paris; Hybrid; EUR 70,000 - 110,000; Full time

Benefits offered by this job

Work from home budget

Relocation package with visa support

Personal development budget

Public transportation subsidies

Swile vouchers

Job summary

N26 is seeking an AFC Associate / SAR Delegate (Déclarant Tracfin) to join the French MLRO function. You will coordinate and own AFC operations activities, review AML-CFT investigations, support due diligence, and submit SARs with quality aligned to Tracfin and ACPR expectations.

You’ll act as the reference for AFC/KYC Ops, guide analysts, and help scale the function in a fast-paced, hybrid environment. French law background and 3+ years in anti-financial crime preferred; relocation and flexible

Qualifications

• Law degree or Grande Ecole background.

Responsibilities

• Review investigations by the AFC Ops.
• Assist AFC Ops on their investigations.
• Oversee complex case investigations, sanctions reviews, and other AFC related processes.
• Review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Déclarant Tracfin.
• Review complex Authority Requests.
• Provide individual and collective guidelines to AFC operations analysts.
• Prepare necessary templates for AFC Ops communication with customers.
• Implement and improve local procedures based on regulatory challenges and group standards.
• Coordinate with other operational functions working on the French market.

Skills

Investigation

SAR drafting

Regulatory knowledge

Communication

Team player

Analytical thinking

Education

Law degree / Grande Ecole background

Job description

About the opportunity

We are currently seeking an AFC Associate / SAR Delegate (Déclarant Tracfin) to join the French MLRO function. In this role, you will be responsible for coordinating and taking ownership of key Anti-Financial Crime Operations activities, including decision-making on matters such as: review AML-CFT investigations, support the teams in charge of ongoing due diligence and EDD process (including decisions on requests for information to the customer), as well as review and submission of SARs. You will be the reference point of contact for our AFC and KYC Operations team, you will support them with your guidance and participate in their upscaling.

Responsibilities

• Review investigations made by the AFC Operations department.
• Assist AFC Operations on their investigations.
• Oversee complex case investigations, sanctions reviews, and other AFC related processes.
• Review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Déclarant Tracfin.
• Review complex Authority Requests.
• Provide individual and collective guidelines to AFC operations analysts.
• Prepare necessary templates for AFC Ops communication with customers.
• Implement and improve local procedures based on the local regulatory challenges and the group’s standard.
• Coordination with other operational functions working on the French market.

What you need to be successful

Background: Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike.

A Bank Financial Crime background, operational experience in an international setting and you are before all an excellent investigator - you have experience in SAR drafting (having a first experience in a ‘déclarant Tracfin’ role is a plus).

Professional experience gained in anti-financial crime, with at least 3 years of experience. Proven experience in operational functions, including investigation, and SAR drafting but also transaction monitoring, sanctions and adverse media screening.

Skills

• In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions…)
• Deep investigation skills
• Fluent in French and English (spoken and written)
• Excellent communication skills and ability to work with a wide variety of stakeholders
• Hardworking, strong team player, benevolent and resilient
• Diligent and reliable, solution driven and committed, ability to work under pressure
• Strong analytical, advisory skills, high quality standards and attention to detail

You should enjoy a fast-paced working environment, show high willingness to learn. You combine a supportive approach with consistently high standards of quality. Actively help yourself (and others) to be successful. Continuously learn and challenge the status quo. Think globally, act locally.

What’s in it for you

Accelerate your career growth by joining one of Europe’s most talked about disruptors.

Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, Swile vouchers, public transportation, work from home/from abroad and more.

As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.

Additional day of annual leave for each year of service.

A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.

We work in a hybrid setup, combining in-office collaboration with the flexibility to work from home.

A relocation package with visa support for those who need it.

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use. We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savi