Senior AML Manager - Retail Banking (m/f/d)

Our client is an established financial services provider is expanding its Financial Security function and is seeking a Senior AML Profile with experience in building compliance programmes from the ground up. The role focuses on AML and sanctions compliance within retail banking, covering topics such as current accounts, customer onboarding, payments, online banking, and debit/credit cards.

Key Responsibilities

• Ensure compliance with all relevant AML and sanctions laws and regulations (e.g., AML laws, tax code requirements, banking regulations, foreign trade rules, EU AML frameworks).
• Maintain and further develop AML monitoring systems (screening, filtering, transaction monitoring), including defining rules and conducting backtesting.
• Conduct and update the organisation's money laundering risk analysis.
• Prepare and submit Suspicious Activity Reports (SARs).
• Develop and maintain written AML policies, procedures, and internal instructions.
• Perform internal AML controls and implement required safeguards and process standards.
• Prepare AML and sanctions-related reporting and support internal/external audits (e.g., auditors, supervisory bodies).
• Contribute to cross‑functional projects within the anti‑financial crime domain.

Candidate Profile

• Degree in economics, law, banking, or a comparable qualification, with several years' AML experience in retail banking.
• Strong knowledge of AML processes in international payments, transaction monitoring (including rule creation & backtesting), and retail account products.
• Confident handling of regulatory and legal AML/sanctions requirements with strong analytical and conceptual skills.
• High integrity, sense of responsibility, and strong communication skills when collaborating with internal and external stakeholders.
• Proficient in MS Office (especially Excel) with basic knowledge of SQL or SAS; fluent German and good English skills.