Team

The Anti-Financial Crime (AFC) department is responsible for preventing, detecting, and combating financial crime, thereby ensuring that Raisin bank is not misused for illegal purposes such as money laundering, terrorist financing, or fraud.

Within this department, the AFC Advisory team plays a central role by developing and monitoring internal policies, control mechanisms, and training programs. We ensure robust money laundering compliance across the entire organization, acting as a collaborative hub of senior expertise where we balance regulatory obligations with sustainable business growth.

Your Responsibilities

• Project Leadership: Own the planning, implementation, and documentation of bank-wide and client-related AFC projects.
• Framework Optimization: Drive the strategic development of our AML framework, including the enhancement of IT systems and automated controls.
• Process & Operational Integrity: Manage and update internal AFC processes, while executing the necessary monitoring and control activities to ensure full regulatory compliance.
• Risk Assessment: Conduct complex money laundering risk analyses and manage customer risk ratings to ensure precise, high-quality assessments.
• Regulatory Oversight: Monitor new regulatory developments, specifically regarding outsourcing requirements (Auslagerungen), and translate these into actionable operational workflows.
• Audit Management: Serve as the technical point of contact for the preparation and execution of internal and external AFC-related audits.
• Advisory & Training: Provide expert guidance on regulatory requirements and conduct training sessions to foster compliance awareness throughout the bank.

Your Profile

• Experience: Several years of professional experience in Anti-Financial Crime and Fraud Prevention within a banking or consulting environment.
• Regulatory Knowledge: In-depth understanding of German and EU regulatory frameworks including GwG, BaFin AuA, AML-VO, EBA Guidelines, FATF recommendations, and KWG.
• Domain Expertise: Proven track record in KYC, customer identification, and the creation of accurate risk analyses and customer risk ratings and Fraud Prevention.
• Analytical Rigor: Demonstrated ability to translate complex regulations into conceptual solutions, with an openness to leveraging technological innovations.
• Communication & Teamwork: Strong interpersonal and communication skills, with a collaborative approach to working with cross-functional stakeholders.
• Language Skills: Full professional proficiency in both German and English is required for this role.
• Professional Standards: A high level of integrity, a strong sense of ownership, and a consistent commitment to quality standards.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.