AFC Manager - SAR Delegate Lead | MLRO France

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 h