AFC Associate - SAR Delegate (Déclarant Tracfin)

About The Opportunity

We are currently seeking an AFC Associate / SAR Delegate (Déclarant Tracfin) to join the French MLRO function. In this role, you will be responsible for coordinating and taking ownership of key Anti‑Financial Crime Operations activities, including decision‑making on matters such as reviewing AML‑CFT investigations, supporting the teams in charge of ongoing due diligence and EDD process (including decisions on requests for information to the customer), and reviewing and submitting SARs. You will be the reference point of contact for our AFC and KYC Operations teams, providing guidance and participating in their up‑scaling.

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.
• Review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Déclarant Tracfin.
• Review complex Authority Requests.
• Provide individual and collective guidelines to AFC operations analysts.
• 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.
• Coordinate with other operational functions working on the French market.

Background

• Graduated in law (École de droit/Master II) or from a Grande École or equivalent.
• Bank financial crime background, operational experience in an international setting, and excellent investigative skills – experience in SAR drafting or a prior Déclarant Tracfin role is a plus.
• Professional experience in anti‑financial crime, with at least 3 years of experience.
• Proven experience in operational functions, including investigation, SAR drafting, 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 skills.
• Fluent in French and English (spoken and written).
• Excellent communication skills and ability to work with a wide variety of stakeholders.
• Hardworking, strong team player, benevolent and resilient.
• Diligent and reliable, solution‑driven and committed, able to work under pressure.
• Strong analytical, advisory skills, high quality standards and attention to detail.
• Enjoy a fast‑paced working environment, with a high willingness to learn.
• Supportive approach combined with consistently high standards of quality.
• Actively help yourself and others to be successful.
• Continuously learn and challenge the status quo.
• Think globally, act locally.

What’s In It For You

• Accelerate your career growth by joining a leading digital‑banking disruptor.
• Competitive personal development budget, work‑from‑home budget, discounts to fitness & wellness memberships, Swile vouchers, public transportation, and work‑from‑home/abroad options.
• As an N26 employee you will have a Premium subscription on your personal N26 bank account, plus subscriptions for friends and family.
• Additional day of annual leave for each year of service.
• High degree of autonomy and access to cutting‑edge technologies.
• Hybrid setup, combining in‑office collaboration with the flexibility to work from home.
• Relocation package with visa support for those who need it.

Equal Opportunities

We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential. We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We’re committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there’s anything you need to make the application process work for you, please let us know by reaching out to Visit our website to learn more about Diversity, Equity, & Inclusion at N26.