AFC Senior Associate / SAR Delegate (déclarant and correspondant Tracfin)

About the role

This Senior Associate role is central to N26's Anti-Financial Crime operations in France. The position involves reviewing and assisting with investigations initiated by the AFC Operations department, as well as overseeing more complex cases related to sanctions and other financial crime processes. A key responsibility is the precise drafting and submission of SARs, ensuring they meet the quality standards set by Tracfin and ACPR.

The individual will act as the primary contact for Tracfin, providing guidance and training to the AFC Operations team on an individual and collective basis. This includes preparing communication templates for customer interactions and implementing local procedures that align with both local regulatory requirements and the company's global standards. The role demands close coordination with other operational functions that serve the French market.

Success in this position requires deep expertise in investigation techniques and a thorough understanding of European and French financial crime regulations, including KYC, AML, terrorism financing, fraud, and sanctions. The role also involves liaising directly with French authorities, necessitating strong communication skills and a diligent, solution-driven approach to complex regulatory challenges.

The annual salary for this position ranges from $38,500 to $59,500.

Skills that matter here

• French: Fluency is required for drafting SARs, communicating with French authorities, and preparing local procedures.
• English: Fluency is necessary for internal communication within a global company and for understanding broader European regulations.
• investigation: The role involves overseeing and conducting complex case investigations related to financial crime.
• SAR drafting: A primary responsibility is to draft, review, and submit Suspicious Activity Reports to regulatory bodies.
• transaction monitoring: Experience in this area is required to identify suspicious activities that may lead to investigations.
• sanctions and adverse media screening: This experience is needed to assess risks and conduct reviews as part of anti-financial crime processes.

Who this role suits

• Someone with a legal background (Master II or equivalent) and at least five years of professional experience in anti-financial crime.
• An individual who possesses in-depth knowledge of both European and French financial crime regulations.
• A person who is diligent, reliable, and capable of working autonomously while maintaining high quality standards under pressure.
• Someone with proven ability to effectively communicate and liaise with French regulatory authorities.

From the employer

• 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.
• Draft, review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Correspondant/Déclarant Tracfin.
• Review complex Authority Requests.
• Provide guidelines individually and collectively. Prepare and deliver formal training.
• 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.

• Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike.
• Professional experience gained 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.
• In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions…)
• Deep investigation expertise.
• Fluency in French and English (spoken and written).
• Excellent communication skills and ability to work with a wide variety of stakeholders.
• Proven ability to liaise with the French Authorities.
• 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 have a hands-on mentality and take ownership.
• You should enjoy a fast-paced working environment, show high willingness to learn and work autonomously to grasp new topics.

• 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 technology.