France AML/CTF Lead: SAR & MLRO Investigator

N26 Inc.; Paris; On-site; EUR 120,000 - 180,000; Full time

Benefits offered by this job

Competitive personal development budg.

Work from home budget

Discounts to fitness & wellness

Language apps

Public transportation

Premium N26 bank account

Job summary

N26 Inc. is seeking a motivated AFC SAR Delegate Lead to oversee and drive our suspicious activity investigation and reporting framework for the French market. You will lead a talented French SAR Delegate Team and partner with the French MLRO to uphold AML/CTF standards.

The role combines hands-on investigations, process design, and people management in a fast-paced, European fintech environment. You will refine review workflows, manage BAU MLRO queues, and ensure regulatory compliance across

Qualifications

• Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike.
• Professional experience in anti-financial crime, with at least 5 years of experience
• Proven experience in operational functions, including investigation, and SAR drafting but also transaction monitoring, sanctions and adverse media screening
• Proven experience in team management and mentoring

Responsibilities

• Lead and oversee compliance with reporting and investigating possible instances of money laundering, suspicious activity, terrorist financing or fraud.
• Management, coordination, motivation and guidance for the French SAR Delegate Team.
• Participate in people management tasks (incl. interview processes and development of team members).
• Design, write and implement the working framework (incl. procedures and processes) for the 2nd LoD French SAR Delegate Team, including setting a working standard and clear instructions for documenting MLRO review cases and SAR approvals in a clear and uniform manner.
• Act as SPOC for AFCO SMEs with regard to the SAR review and investigation review process.
• Active management and ownership of the BAU MLRO queues.
• Provide ongoing and ad-hoc support on AML and CTF queries (both from internal and external stakeholders).
• Assist the French MLRO and co-decision-taking in the following areas: SAR, RFI, PEP, EDD and CRR.
• Assist with the identification, evaluation, monitoring and mitigation of operational risks with respect to AML and CTF processes and proactively suggest improvements.
• Support the French MLRO in steering AML and CTF BAU requirements and regulatory imposed projects.
• Support the French MLRO in reporting to the Management Board, Supervisory Board and national competent authorities.
• Ensure strategic cohesion of AFC strategy with N26 strategy.
• Support the business to understand and address AML and CTF risk.
• Devise and review relevant training to AFCO, business and its partners.
• Review Marketing materials to ensure compliance with AML and CTF requirements.

Skills

Team leadership

AML/CTF investigations

SAR drafting

Regulatory knowledge

French + English fluency

Stakeholder management

KYC/Regulations

Education

Law degree

Job description

N26 Inc. is seeking a motivated AFC SAR Delegate Lead to oversee and drive our suspicious activity investigation and reporting framework for the French market. You will lead a talented French SAR Delegate Team and partner with the French MLRO to uphold AML/CTF standards.

The role combines hands-on investigations, process design, and people management in a fast-paced, European fintech environment. You will refine review workflows, manage BAU MLRO queues, and ensure regulatory compliance across