AML Compliance

About the role

This position involves managing anti-financial crime compliance within Bitpanda's second line of defense. The core work includes conducting in-depth investigations for enhanced due diligence, proof of funds, and transaction monitoring alerts, utilizing open-source intelligence and crypto exposure analysis. The goal is to ensure timely progress, clear decision-making, and thorough documentation for each case.

A key part of this role is preparing high-quality case documentation, including supporting evidence and statements of facts, which may lead to SARs or approval/refusal decisions. The manager will also contribute to reporting requirements, providing data for controls reports and annual AML reports. Success in this role means making well-reasoned compliance decisions that consider both regulatory demands and customer experience, while adhering to service level agreements.

The AML Compliance Manager will work closely with various first-line teams, such as AML Operations, KYC Operations, and Customer Care, to manage escalations. This involves offering clear guidance, status updates, and resolution paths. The role also requires active participation in initiatives aimed at improving collaboration across different teams within the organization.

The listed salary range for this position is between $122,000 and $225,000 USD, complemented by participation in the company's stock option plan.

Skills that matter here

• AML Officer: The role requires previous experience as an AML Officer or in a similar financial crime compliance position, demonstrating a track record of responsibility.
• ACAMS: An ACAMS qualification is considered beneficial for this role, though practical experience and critical thinking are also highly valued.
• English: Excellent written and verbal communication skills in English are essential for all aspects of the role, including documentation and collaboration.
• Arabic: Proficiency in Arabic is an asset, particularly for handling cross-border cases.
• German: Proficiency in German is an asset, particularly for handling cross-border cases.
• French: Proficiency in French is an asset, particularly for handling cross-border cases.

Who this role suits

• You have a background in financial crime compliance, ideally within the crypto, fintech, or banking sectors.
• You are adept at exercising professional judgment, documenting decisions clearly, and knowing when to escalate issues.
• You value both a positive customer experience and strong compliance practices, believing they can coexist.
• You are organized, comfortable with high regulatory standards, and can work effectively within a shift-based schedule.

From the employer

Your mission

Join Bitpanda and contribute to the continued evolution of our Anti-Financial Crime (AFC) Compliance team. This role sits within the second line of defence and supports the governance and execution of our AFC/AML Compliance framework. As Bitpanda continues to scale, we are strengthening our AFC Compliance capabilities with a focus on clear accountability, high-quality decision-making, and a customer-aware approach to compliance.

• Conduct detailed investigations for Enhanced Due Diligence (EDD), Proof of Funds / Wealth (PoF/W), Transaction Monitoring (TxM) alerts, and PEP/Sanctions screening, using OSINT research and crypto exposure analysis, ensuring timely progression, clear decisions, and well-documented outcomes.
• As a second-level compliance executor, you will ensure that controls in the PoF/W and TxM areas are applied consistently.
• Prepare high-quality case documentation, including supporting evidence, statements of facts, AML Officer case presentations, and SARs or Approval/Refusal decisions where applicable.
• Make well reasoned compliance decisions that balance regulatory requirements and financial crime risk with awareness on customer impact while adhering to defined SLAs and communicating complexity in a transparent manner.
• Contribute to reporting requirements by preparing and collecting data for the Controls Report and delivering results for the Quarterly and Annual AML Reports.
• Collaborate closely with first-line teams (AML Ops, KYC Ops, Risk Ops, Payment Ops, Customer Care) and Legal to manage escalations effectively, providing clear guidance, status updates, and resolution paths.
• You will actively participate in continuous improvement initiatives to improve collaboration across the various teams.

Who you are

• You bring relevant proven experience as an AML Officer or in a similar financial crime compliance role, ideally within crypto, fintech, or banking and a track record of taking responsibility in the field.
• You are confident exercising professional judgement, documenting decisions clearly, and escalating appropriately when required.
• ACAMS or a similar qualification is desirable.
• Practical experience, critical thinking, and accountability are equally valued.
• For you, good customer experience and strong compliance walk hand in hand.
• You are organised and comfortable working in an environment with high regulatory standards and are comfortable to work a shift-based schedule.
• You have excellent written and verbal communication skills in English. Additional languages (e.g. Arabic, German, French, Italian, Spanish, or other European languages) are a strong asset, particularly for cross-border cases.

What’s in it for you

• Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice.
• Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan.
• Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP.
• Time to recharge – Take extra time off to rest, reset, and recharge, with 3 additional days off in 2026 to prioritise your wellbeing.
• Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace.
• Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel.
• Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family.
• Create a productive workspace at home – Set up your home office exactly how you want it with a dedicated budget for comfort and productivity.
• Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fuelled and focused all day long.
• Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda.
• Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent.
• Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to summer gatherings worldwide, fostering fun, connection, and celebration.