ABOUT US Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack. Pliant is growing quickly. With our expansion into 30 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 200 Plianteers come from 35 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we’re looking for more talented and committed people to join us on our journey! Want to learn more ? Who are Pliant ABOUT THE ROLE As a ( Senior) AFC Manager (m/f/d) you will be responsible for the compliance assessment of our high-risk corporate clients at Pliant. In addition to case processing, you will support us in setting up and implementing high-performance processes and systems. You will work closely with Jenny, our AFC Operations Lead, and colleagues from the Compliance Operations, Compliance Second Line, Credit Risk Management, Product and Tech teams. WHAT YOU’LL DO EDD : You will perform enhanced due diligence (EDD) on our high-risk SME customers to assess the ML/TF risks involved in undertaking business with them. You will assess risks for a range of high-risk factors, including applying industry-specific ML/TF knowledge, unraveling complex ownership structures covering various legal structures and jurisdictions, analysing the legitimacy of the source of funds and source of wealth using financial statements and other relevant documents. Investigation : You will identify any risk signals in our customers during the business relationship, obtain the relevant information to efficiently assess the risks posed through desk research or other means, conclude on the customers’ risk profile, and document your findings. Decision making : You will take informed and effective decisions in accordance with our risk appetite as per policies and standard operating procedures (SOPs). You will escalate cases to internal decision makers and enable them to make informed decisions. Documentation : You will document your assessment and decisions in a structured and concise way, ensuring all relevant risks are clearly identified, assessed, and mitigated. Your documentation will support informed and effective decision making. Monitoring : You will monitor our high-risk customers using various systems and update internal files, identify important changes in risks, and inform or escalate to relevant stakeholders accordingly. Process improvement : You will continuously identify ways to improve our processes, update SOPs, and provide cross-team support. You will work closely with project managers to communicate the operational needs of the team and build powerful tools tailored to our processes. Communication : You will clarify case-specific questions quickly and reliably. You communicate and facilitate the solving of complex issues. WHAT YOU’LL BRING 5 years of experience in the first line of an operational compliance team for SME or corporate clients, ideally from a bank or fintech, and specifically for high-risk accounts. Experience and good understanding in the assessment of high-risk ML/TF factors, as well as the principles of EU and/or UK AML laws. Ideally, experience in building efficient operational processes and tools for the first line level, or at least good technical agility. Keen eye for detail and perseverance to perform various operational activities with continuous high quality, especially for complex cases, whilst juggling multiple topics and cases. Ability to deep dive and quickly identify compliance risks, as well as approaches to assess identified risks effectively, conclude an assessment and take sound decisions, all using a structured and logical approach. Analytical and structured thinking and working, with good common sense. Determination and desire to work in a team to achieve the best results for our clients. Excellent English both written and spoken (other European languages are a plus), with a to-the-point writing style. WHAT WE OFFER The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence Attractive remuneration Flat hierarchy and transparent communication in a relaxed, professional atmosphere Opportunity to develop your talent in a dynamic team with ambitious goals Flexibility and possibility to work remotely Monthly mobility benefit Wellhub Membership Company card with a monthly allowance for lunches, coffee, etc. with co-workers