AFC Senior Associate - SAR Delegate

About the opportunity

At N26, we're redefining banking for the digital age. By combining technology, design, and innovation, we're building a banking experience that's simple, transparent, and loved by millions. We've replaced physical branches, paperwork, and hidden fees with a seamless digital platform that empowers people to bank on their own terms.

We're looking for an AFC Senior Associate - SAR Delegate to join our Anti-Financial Crime team, supporting the German market. In this role, you'll oversee complex financial crime investigations and high-risk approvals, drive strategic process improvements and cross-functional initiatives, and act as a key partner to the MLRO in maintaining a robust and effective Anti-Financial Crime framework. Your work will play a critical role in ensuring regulatory compliance while strengthening N26's financial crime prevention capabilities.

In this role, you will

Review and approve SARs drafted by AFCO, ensuring all filings meet strict regulatory standards for correctness, completeness, and evidential documentation prior to submission

Review and submit authority requests received from local and other authorities

Act as the primary escalation point for AFCO, providing guidance on complex fincrime investigations

Assist on how to address the RFIs and to interpret legal/tax documentation received from customers

Review and approve high-risk cases escalated by KYCO, focusing on PEPs and EDD

Handle and execute confidential, sensitive, or complex investigations that exceed the scope or capability of standard operational teams

Identify gaps and drive process improvements to enhance efficiency and control effectiveness within AFCO and KYCO workflows

Drive operational excellence for the local market by working cross-functional projects, implementing and improving local procedures, harmonizing local procedures with group standards

Collaborate with AFC stakeholders to build a scalable, efficient platform through proactive meeting