Raisin is the world's leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.
Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns.
Team
The AFC Operations team is primarily responsible for transaction monitoring and the KYC process, including PEP and sanctions screening. The team ensures that all customer activities comply with applicable AML and regulatory requirements, identifying and escalating suspicious activities where necessary.
Working in close collaboration with the Money Laundering Reporting Officer (MLRO), the team plays a key role in safeguarding the organization against financial crime risks. In addition, AFC Operations continuously reviews and improves internal processes to enhance efficiency, data quality and regulatory compliance standards.
Your Responsibilities
- Alert Management & Investigation: Review complex transaction monitoring alerts and conduct investigations into suspicious activities. You are responsible for the decision-making regarding Suspicious Activity Reports (SARs/Verdachtsmeldungen) and ensure that all filings and documentation meet regulatory requirements.
- TM Framework & Detection Logic: You drive the conceptual development and optimisation of the bank's monitoring infrastructure. This involves refining detection scenarios, tuning threshold settings to minimise false positives, and ensuring that our monitoring rules keep pace with evolving criminal typologies.
- Operational Monitoring Controls: You execute and oversee comprehensive monitoring activities and internal controls. Your focus is to ensure that the operational output of the TM unit consistently meets the highest quality and regulatory standards.
- System Architecture & AFC Project Management: Drive the AFC-side of system deployments and feature updates. You are responsible for the seamless operational transition of new business activities into our monitoring ecosystem, ensuring that scalability and regulatory integrity go hand in hand.
- Technical Outsourcing & Audit Management: Oversee AFC-related tool environments and service providers to ensure operational integrity. You act as a key subject matter expert during internal and external audits, facilitating a smooth examination process through diligent preparation and expertise
Your Profile
- Academic Background: University degree in Law, Economics, Business Administration, or a related field.
- Professional Experience: Extensive experience in Anti-Financial Crime (AFC) within the financial services industry.
- Regulatory Expertise: In-depth knowledge of national and international regulatory frameworks (e.g., German GwG, KWG, and EU AML Directives).
- Process Excellence: Proven experience in designing, documenting, and optimising AFC processes and frameworks.
- Language Skills: Professional proficiency in English and excellent German skills are mandatory
- Certifications: Relevant industry certifications, such as CAMS (Certified Anti-Money Laundering Specialist), are considered a plus.
Raisin Applicant Privacy Policy
We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.
We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.
Skills Required
- University degree in Law, Economics, Business Administration, or related field
- Extensive experience in Anti-Financial Crime within financial services
- In-depth knowledge of regulatory frameworks
- Proven experience in designing and optimising AFC processes
- Professional proficiency in English and German
- Relevant industry certifications (e.g., CAMS)
What We Do
Raisin is the world's leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 150 trillion euro market. Raisin currently employs more than 700 people from over 75 countries worldwide. Today, the platform holds over 75 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns.
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