AML & Financial Crime Manager

Trading212; Portugal; On-site; EUR 70,000 - 100,000; Full time

Benefits offered by this job

Generous remuneration package

Impact millions of investors

Collaborative environment

Job summary

Trading 212 in Portugal is seeking an experienced AML & Financial Crime Manager to lead the local AML/CTF function for the Portuguese Branch. You will provide second-line oversight of AML controls, act as the responsible for compliance, and own the branch's AML/CTF framework under CMVM regulations.

You will oversee KYC/EDD reviews, supervise STR drafting, training, and liaise with CMVM, UIF, and DCIAP. Strong knowledge of Lei n.º 83/2017 and EU directives is essential, as is fluency in

Qualifications

• Educational background in Finance, Economics, Law, or a related field.
• Strong knowledge of AML/CTF requirements and regulatory frameworks.
• Excellent written communication for regulatory documentation and reporting.

Responsibilities

• Provide independent second-line oversight of AML controls, alerts, and investigations.
• Conduct QA reviews of KYC, CDD, and EDD files.
• Assess quality of transaction monitoring investigations and identify improvements.
• Review suspicious activity escalations and assist in drafting STRs/TRs.
• Serve as designated Contact Person for UIF and DC IAP and liaise with CMVM on supervisory matters.
• Own and maintain AML/CTF policies, risk assessments, and reporting to CMVM.
• Deliver AML/CTF training to branch staff.
• Drive continuous improvement of AML policies and control frameworks.

Skills

AML/CTF

Quality Assurance

KYC/CDD/EDD

Regulatory reporting

Stakeholder management

Training delivery

Education

Finance/Economics/Law degree

Job description

Our mission is to enable everyone to build wealth

We reinvent how trading and investing work by creating exceptional products people love. Fostering a culture of excellence and high velocity is the key to our success. Тoday, we serve over 7 million clients, with more than €38 billion in assets under management — a testament to the scale and trust we’ve built in just a few years.

The role

We're looking for an experienced AML & Financial Crime Manager to lead the local AML/CTF function for the Portuguese Branch of Trading 212. In this role, you will provide independent second-line oversight of AML/CTF controls, serve as the designated Responsável pelo Cumprimento Normativo under Article 16 of Lei n.º 83/2017, and own the Branch's AML/CTF compliance framework under Regulamento da CMVM n.º 2/2020.

What you’ll do

• Provide independent second-line oversight of AML controls, alerts, and investigations conducted by the First Line of Defence
• Conduct Quality Assurance reviews of KYC, CDD, and EDD files to ensure adherence to internal policies and regulatory standards
• Assess the quality and consistency of transaction monitoring investigations and identify areas for improvement
• Review suspicious activity escalations and support the drafting of Suspicious Activity/Transaction Reports (STRs)
• Act as the Branch's designated Contact Person for the Financial Intelligence Unit (UIF) and the Central Department of Investigation and Criminal Action (DCIAP)
• Own and maintain the Branch's standalone AML/CTF policies and procedures manual and its money laundering/terrorist financing risk assessment
• Submit the mandatory annual AML/CTF compliance report to the CMVM
• Serve as primary liaison for CMVM, UIF, and DCIAP on supervisory matters, including on-site inspections
• Develop and deliver AML/CTF training to Branch staff
• Drive continuous improvement of AML policies, procedures, and control frameworks

What you need to have

• Educational background in Finance, Economics, Law, or a related field
• At least 5 years' experience in AML, financial crime compliance, or a related function within an investment firm, capital markets environment, fintech, or a regulatory/supervisory authority in Portugal
• Strong knowledge of Lei n.º 83/2017, Regulamento da CMVM n.º 2/2020, EU AML Directives, and financial crime typologies
• Native or fluent Portuguese and professional English — both essential for policy manual authorship, UIF/DCIAP communications, and HQ alignment
• Excellent written communication skills, particularly for regulatory documentation and reporting
• Strong analytical thinking, attention to detail, and the ability to manage multiple priorities
• Ability to work both independently and collaboratively, with confidence to elevate where needed
• A drive for excellence and a continuous improvement mindset

Nice to have

• Experience in an investment firm or capital markets environment (MiFID II / Código dos Valores Mobiliários)

What we offer:

• Challenges that will help you grow and realize your potential fast.
• Opportunity to make a significant impact —you will build innovative services used by millions of investors to build wealth.
• Work with smart, spirited, helpful, high-performing colleagues with a common goal.
• An environment where nothing is set in stone.
• Appreciation for your talent and ideas.
• Generous remuneration package

Bring your ambition to Europe’s fastest-growing mobile broker!