Associate, AFC Compliance

 

Your Mission:

As an Associate, you will be an integral part of the second line of defense within our Anti-Financial Crime (AFC) Execution team. This role sits within the second line of defence and supports the governance and execution of our AFC/AML Compliance framework. As Bitpanda continues to scale, we are strengthening our AFC Compliance capabilities with a focus on clear accountability, high-quality decision-making, and a customer-aware approach to compliance.

You will work closely with Customer Operations, Risk, Legal, and AML leadership to ensure compliance cases and escalations are handled thoroughly, consistently, and with appropriate urgency, balancing regulatory requirements with a strong awareness of customer and business impact.

What you’ll do

• Conduct investigations for Enhanced Due Diligence (EDD), Proof of Funds / Wealth (PoF/W), Transaction Monitoring (TxM) alerts, and PEP/Sanctions screening, using OSINT research and crypto exposure analysis, ensuring timely progression, clear decisions, and well-documented outcomes. As a second-level compliance executor, you will ensure that controls in the PoF/W and TxM areas are applied consistently.
• Prepare high-quality case documentation, including supporting evidence, statements of facts, AML Officer case presentations, and SARs or Approval/Refusal decisions where applicable.
• Make well reasoned compliance decisions that balance regulatory requirements and financial crime risk with awareness on customer impact while adhering to defined SLAs and communicating complexity in a transparent manner
• Contribute to reporting requirements by preparing and collecting data for the Controls Report and delivering results for the Quarterly and Annual AML Reports. 
• Collaborate closely with first-line teams (AML Ops, KYC Ops, Risk Ops, Payment Ops, Customer Care) and Legal to manage escalations effectively, providing clear guidance, status updates, and resolution paths. You will actively participate in continuous improvement initiatives to improve collaboration across the various teams.

Who you are

• You bring relevant proven experience as an AML Officer or in a similar financial crime compliance role, ideally within crypto, fintech, or banking and a track record of taking responsibility in the field
• You are confident exercising professional judgement, documenting decisions clearly, and escalating appropriately when required.
• ACAMS or a similar qualification is desirable. Practical experience, critical thinking, and accountability are equally valued. For you, good customer experience and strong compliance walk hand in hand.
• You are organised and comfortable working in an environment with high regulatory standards and are comfortable to work a shift-based schedule.