About the Opportunity

We’re looking for a motivated and experienced AFC SAR Delegate Lead to oversee and drive our suspicious activity investigation and reporting framework for the French market.

This role is ideal for a hands-on compliance leader with deep investigation expertise who’s passionate about developing people, establishing robust 2nd LoD standards, and ensuring regulatory excellence. You’ll play a pivotal role in strengthening our Anti-Financial Crime operations, actively managing BAU MLRO queues, and serving as a key partner to the French MLRO and local authorities. Working closely with our AFC Leadership and cross-functional teams, you’ll ensure consistent execution of AML/CTF policies, continuous refinement of review processes, and proactive mitigation of financial crime risk across the business.

In this role, you will

Lead and oversee compliance with reporting and investigating possible instances of money laundering, suspicious activity, terrorist financing or fraud.
Management, coordination, motivation and guidance for the French SAR Delegate Team.
Participate in people management tasks (incl. interview processes and development of team members).
Design, write and implement the working framework (incl. procedures and processes) for the 2nd LoD French SAR Delegate Team, including setting a working standard and clear instructions for documenting MLRO review cases and SAR approvals in a clear and uniform manner.
Act as SPOC for AFCO SMEs with regard to the SAR review and investigation review process.
Active management and ownership of the BAU MLRO queues.
Provide ongoing and ad-hoc support on AML and CTF queries (both from internal and external stakeholders).
Assist the French MLRO and (co-)decision-taking in the following areas: SAR, RFI, PEP, EDD and CRR.
Assist with the identification, evaluation, monitoring and mitigation of operational risks with respect to AML and CTF processes and proactively suggest improvements.
Support the French MLRO in steering AML and CTF BAU requirements and regulatory imposed projects.
Support the French MLRO in reporting to the Management Board, Supervisory Board and national competent authorities.
Ensure strategic cohesion of AFC strategy with N26 strategy.
Support the business to understand and address AML and CTF risk.
Devise and review relevant training to AFCO, business and its partners.
Review Marketing materials to ensure compliance with AML and CTF requirements.

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
Proven experience in team management and mentoring

Skills

Proven ability to manage, coach and mentor people.
In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions…).
Deep investigation expertise.
French as mother tongue, fluency in French and English spoken and written.
Excellent written skills in French.
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.

Traits

Passionate about people.
Actively help yourself (and others) to be successful.
Continuously learn and challenge the status quo.
Think globally, act locally.
Benevolent and demanding.

At N26, you’ll be part of a forward-thinking, multicultural environment where innovation and compliance go hand in hand. You’ll lead impactful work that safeguards our customers and helps shape the future of compliant digital banking across Europe.