Senior AFC Operations Specialist

Stellenbeschreibung:

Own day-to-day AFC operations across transaction monitoring, customer screening, Source of Wealth reviews, investigations and regulatory information requests
Investigate potentially suspicious customer activity and collaborate with the Team Lead, MLRO and Second Line of Defence on escalations and SAR-related documentation
Design and improve AFC controls, workflows and work instructions across the customer lifecycle with Operations, Product and Engineering
Drive process optimisation and operational projects, including transaction monitoring improvements, automation and structured workflows
Collaborate with Product, Engineering, Operations, Banking, Investing and external partners as an AFC subject-matter expert
Maintain clear, precise and audit-ready documentation for cases, processes and decisions
Support operational quality, regulatory resilience and scalable growth of the Brokerage-as-a-Service platform

Requirements

Substantial hands-on AFC Operations experience within financial services
Experience with investigations, operational controls, and risk-based decision-making
Practical experience preparing and submitting suspicious activity reports via goAML
Strong understanding of suspicious activity handling in an operational environment
Experience improving, automating and scaling AFC processes
Comfortable contributing to projects across operational and technical stakeholders
Deep understanding of German and European AML requirements, regulatory expectations and industry best practices
Fluent German at C2 level
Confident English communication at C1 level
Hands-on, ownership-driven mindset and ability to bring structure to ambiguity
Applicants must be able to work in Germany; visa/work permit status is addressed in the application form

Core Competencies

Demonstrates extensive experience in AFC Operations, focusing on transaction monitoring, customer screening, and regulatory compliance. Proficient in improving and automating AFC processes while ensuring adherence to German and European AML regulations.