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About Raisin
About Raisin Bank
About Raisin US
About Raisin UK
Team
Join Raisin Bank as Head of AFC Operations and lead the execution of our operational framework to prevent financial crime, including money laundering, terrorism financing, and other criminal abuse of the financial system. Reporting directly to the MLRO (who also serves as Group MLRO), you will manage Raisin Bank’s AFC Operations team and ensure the effective implementation of preventive and detective controls under German law, BaFin Auslegungs- und Anwendungshinweise (AuA), and the EBA Guidelines on ML/TF risk factors.
This is a senior, hands-on role focused on core AFC processes such as customer screening, transaction monitoring, internal investigations, and case reporting. It combines day-to-day control execution with a mandate to raise operational quality, optimise resource use, and improve scenario calibration. The position is instrumental in supporting Raisin’s business model and the integrity of our KYC services across the EU.
Tech Stack
Your Responsibilities
* Operational Ownership: Oversee first-line AFC controls including name screening (sanctions, PEPs, adverse media), transaction monitoring, and internal case investigations. Ensure adherence to the risk-based approach in line with § 5 GwG.
* Suspicious Activity Reporting (SAR): Ensure high-quality, timely, and complete reporting of suspected ML/TF activity under §§ 43–46 GwG. Supervise decision-making processes, documentation standards, and internal escalation paths.
* Transaction Monitoring Oversight: Own and evolve the configuration of the transaction monitoring system. Improve scenario logic, threshold calibration, and alert triage to reflect current typologies and risk exposure.
* Risk-Based Resource Allocation: Implement structured triage and workload management practices to focus resources on higher-risk activity. Improve alert-handling discipline and shorten investigative lead times.
* Documentation & Audit Readiness: Maintain a fully auditable control trail across screening, monitoring, and investigations. Support internal and external audits, as well as supervisory inquiries.
* Control Evolution: Collaborate with second-line compliance, risk, and product teams to ensure AFC operational controls evolve in line with new business lines, customer types, and regulatory expectations.
* Tech & Data Collaboration: Work closely with data and engineering teams to drive operational automation, improve case management workflows, and integrate AFC tooling into the broader platform.
* Team Leadership: Lead and develop the AFC Operations team, instilling a strong culture of accountability, risk awareness, and quality control. Address performance gaps and strengthen team capabilities.
Your Profile
* At least 5 years of experience in AFC, financial crime operations, or forensic investigations in a regulated financial institution.
* Operational expertise in customer screening, transaction monitoring, customer risk scoring, alert investigations, and suspicious activity reporting.
* Deep knowledge of the German Geldwäschegesetz (GwG), BaFin’s Auslegungs- und Anwendungshinweise (AuA), and EBA ML/TF Risk Factor Guidelines.
* Strong understanding of the interface between first-line AFC operations and second-line advisory, including control ownership and escalation boundaries.
* Comfortable working with structured data and case management tools; able to collaborate closely with tech and data teams to improve operational effectiveness.
* Hands-on leadership style with a track record of setting clear expectations, coaching team members, and managing operational complexity.
* Fluent in German and English — both are essential for this role.
Our Benefits
Benefits der Raisin Bank
Join our mission, join our team - and grow with us!
As part of the strong Raisin family, Raisin Bank combines the best of both worlds: The experience and security of a bank with the flexibility and innovation of a Start-up.
Our employees are just as diverse as our partners. If you are looking for a dynamic environment in which you can play to your strengths and develop further, then you have come to the right place! In our agile FinTech environment, you have the opportunity to work in an international team and gain new experience. We provide:
* Employee Development Budget of €2,000 and four full training days per year.
* Access to Babbel for continuous language learning.
* Flexible working hours, home office and 30 vacation days plus Christmas Eve and New Year's Eve off.
* 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.
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