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 Anti-Financial-Crime (AFC) department at Raisin SE is responsible for preventing, detecting, and combating financial crime, ensuring that Raisin is not misused for activities such as money laundering, terrorist financing, or fraud.
As a core component of this mission, the AFC Advisory team operates as a strategic function focused on framework governance and regulatory development. We define and monitor internal policies, control mechanisms, and training programs to bolster awareness of financial crime and ensure robust, company-wide AFC standards.
Your Responsibilities
- Project Management: Plan, implement, and document AFC-focused projects (both internal bank initiatives and client-facing) from an AFC perspective.
- Strategic Conceptual Development: Drive the conceptual evolution of the bank's AML framework, ensuring a focus on both regulatory alignment and the integration of supporting IT systems.
- Framework Development: Lead the continuous development, updating, and documentation of relevant processes and internal control mechanisms.
- Risk Analysis: Develop our AML risk analysis methodology to ensure it remains accurate, robust, and responsive to emerging threats.
- Control Execution: Execute and monitor controls and surveillance activities to maintain the integrity of the AFC framework.
- Outsourcing Governance: Monitor and ensure compliance with regulatory requirements regarding all AML-related outsourcing arrangements.
- Audit Coordination: Serve as the technical point of contact for the preparation and execution of internal and external AFC-related audits, ensuring comprehensive documentation and transparency.
- Regulatory Analysis: Conduct detailed analysis of new regulatory requirements and translate them into actionable AFC standards
Your Profile
- Experience: Several years of professional experience in AFC/AML advisory within a bank, an audit firm, or a specialized consulting environment.
- Regulatory Expertise: Deep understanding of relevant regulations, including GwG, BaFin AuA, AML-VO, EBA Guidelines, FATF recommendations, and KWG.
- KYC & Customer Risk: Solid knowledge of KYC and customer identification processes, combined with proven experience in creating and maintaining risk analyses and customer risk ratings.
- Technical & Analytical Literacy: Strong conceptual understanding of AFC systems and data logic. You are comfortable evaluating the intersection of AML-logic and IT architecture.
- 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.
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.
