Senior AFC Manager / Deputy MLRO (f/m/x)

About Lemon.markets

We enable anyone to be an investor. Our mission is to grow investing opportunities for all European customers and businesses. By empowering FinTechs, banks and wealth managers to offer investment products, we help create financial well‑being for their customers. lemon.markets is a Brokerage‑as‑a‑Service platform: simple digital access to capital markets through a single API. Our API‑first infrastructure abstracts brokerage complexity with a well‑documented API, a self‑service customer operations portal, and a clear regulatory framework, so partners can launch customer‑centric, compliant products in weeks, not months.

As part of the dwpbank Group, we share a clear goal: making investing in capital markets more accessible. By combining dwpbank’s long‑standing expertise and stability with lemon.markets’ technology‑first mindset and speed, we are building a modern, modular securities services ecosystem. Together, we offer faster time‑to‑market, modular services and a modern customer experience that helps financial service providers stay competitive and respond more flexibly in a changing market.

Your Mission

As our Senior AFC Compliance Manager (Deputy MLRO), you’ll help ensure lemon.markets can scale safely and confidently in an increasingly bank‑grade, B2B‑focused environment. We already have a full AFC framework in place. Your mission is to take what exists, challenge it, refine it and bring it to the next level.

In particular, you’ll play a key role in shaping how we operate as part of a group and in conversations with large financial institutions. You will communicate at eye level with strategic internal and external stakeholders, translating regulatory expectations into practical processes, and preparing high‑impact AFC decisions. Over time, this role potentially also offers the opportunity to take on leadership responsibility.

In this role you will

• Support the MLRO function as Deputy MLRO: you prepare and structure decisions so they can be approved efficiently, and you step in as a trusted representative where needed.
• Own AFC Compliance processes end‑to‑end, based on your previous experience; for example, control design & implementation.
• Review and approve high‑risk customers and business‑critical decisions: you support/drive approvals of high‑risk customers and complex setups and you handle or steer money‑laundering suspicion cases.
• Work closely with 1LoD / AFC Operations as their senior contact point: you run calibration and alignment meetings, resolve escalations, and build a collaborative rhythm where guidance is clear, implementable, and actually adopted.
• Prepare strategic AFC decisions with high business impact: you turn complex regulatory requirements into crisp options, recommendations, and decisions, so leadership can approve with confidence.
• Collaborate with group stakeholders: you align on group standards and approaches where needed, implement group processes, and communicate in a way that works for a large‑bank environment.
• Support Partner Onboarding (KYP) from an AFC perspective: you help evaluate new partners against AFC requirements, understand their KYC/monitoring maturity, and assess how their risk profile affects lemon.markets.

You’ll be successful in this role if

• Growing investing opportunities excite you. Our mission resonates with you, because you have worked in the financial sector before, whether it’s an Investment Firm, a Bank or a Fintech (or ideally a mix of all).
• You have extensive experience in AFC with a strong 2LoD foundation, meaning solid regulatory and hands‑on experience across KYC, AML, CTF, fraud prevention plus know‑how and working knowledge of the German Money Laundering Act.
• You bring strong stakeholder management and communication skills: you can set clear requirements while bringing people along, collaborative, firm, and pragmatic.
• You have senior‑level judgment and can confidently interact with representatives of large German banks.
• You can work in German and English at C‑level proficiency and express yourself clearly, precisely, and professionally.

What would make you an even better fit (nice to have, not mandatory)

• You have B2B exposure (onboarding/monitoring/partner risk), ideally in models where you don’t fully see end customers and must rely on partner controls.
• You have experience as Deputy MLRO (or in a comparable role with MLRO‑level responsibilities).
• You have experience in AFC Operations (1LoD).

How we take care of you

• Compensation package: competitive salary based on your experience and the value‑add you bring to lemon.markets.
• Flexible working hours: trust people to choose when they work best and avoid a rigid 9 to 5 mindset. Only shared core hours from 12:00 to 16:00 to support collaboration.
• Hybrid work setup: you can work from anywhere in Germany (ideally from Berlin) within a hybrid model. In‑person collaboration is a key part of our culture. Individual contributors spend four days or more per month on‑site in our Berlin office, sharing time together with the team at events, off‑sites or over team dinners.
• Grow with us: we take your personal development seriously! You’ll get regular mentorship and stretch opportunities, a clear career‑development framework with frequent feedback conversations as well as an annual learning budget.
• People & culture: you’ll feel our culture in the small things, such as first‑day photos, weekly team meals, and our monthly onboarding breakfast, as well as in the bigger things: celebrating new partner onboarding, growing our teams, and owning a strong discussion culture.
• Perks & benefits: we sponsor a Deutschlandticket for employees on unlimited contracts and offer 50% off on Beatvest – our partner for financial education and investing.
• Workation: you can work remotely from anywhere in the EU for up to 10 consecutive days at a time, and up to 60 days per year in total.

As an equal opportunity employer, lemon.markets is committed to building an inclusive workplace. The company welcomes people from all different backgrounds, including age, citizenship, ethnic and racial origins, gender identities, individuals with disabilities, marital status, religions and ideologies, and sexual orientations to apply.