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

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

Department: Risk

Location: Paris

About the opportunity

We are currenlty looking for an AFC Senior Associate / SAR Delegate to join our French MLRO team in a high-impact, hands-on role at the heart of our Anti-Financial Crime operations. In this position, you will take ownership of critical AFC activities, including leading AML-CFT investigations, supporting ongoing due diligence and enhanced due diligence (EDD) processes, and reviewing and submitting Suspicious Activity Reports (SARs). You will play a key role in decision-making, particularly around investigative outcomes and customer information requests. As a trusted subject matter expert, you will act as a central point of contact for our AFC and KYC Operations teams - providing guidance, sharing your expertise, and actively contributing to the upskilling of colleagues. This role offers the opportunity to combine deep investigative work with a strong coaching and leadership dimension. You will work in a fast-paced, international, and tech-driven environment, collaborating closely with Compliance, AFC, and global stakeholders. Acting as _correspondant/déclarant Tracfin_, you will also contribute to regulatory engagement and communication with relevant authorities. This is an excellent opportunity for a seasoned financial crime professional who is passionate about investigations, enjoys driving operational excellence, and is motivated to make a tangible impact while developing others.

In this role, you will:

• 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.

What you need to be successful:

Background:

• 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.

Skills:

• 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

What’s in it for you:

• 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 technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds.
• A relocation package with visa support for those who need it.