Hybrid Senior AFC Manager, Deputy MLRO

at lemon.markets

• Job title: Senior AFC Manager, Deputy MLRO
• Job type: Full Time
• Experience level: Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Berlin, Germany

About the role

• Senior AFC Compliance Manager (Deputy MLRO) ensuring safe scaling of lemon.markets in a bank-grade environment. Responsible for strategic decisions and high-risk customer compliance.

Responsibilities

• Support the MLRO function as Deputy MLRO: prepare and structure decisions for efficient approval, and act as a trusted representative when required.
• Own AFC compliance processes end-to-end based on your prior experience; for example, control design and implementation.
• Review and approve high-risk customers and business-critical decisions: support or lead approvals of high-risk customers and complex setups and handle or steer suspected money laundering cases.
• Work closely with 1LoD / AFC Operations as their senior contact point: run calibration and alignment meetings, resolve escalations, and build a collaborative rhythm where guidance is clear, implementable, and actually adopted.
• Prepare strategic AFC decisions with high business impact: translate complex regulatory requirements into concise options, recommendations, and decisions so leadership can approve with confidence.
• Collaborate with group stakeholders: align on group standards and approaches where needed, implement group processes, and communicate in a way that works for a large-bank environment.
• Support Partner Onboarding (KYP) from an AFC perspective: evaluate new partners against AFC requirements, assess their KYC/monitoring maturity, and determine how their risk profile affects lemon.markets.

Requirements

• Growing investing opportunities excite you. Our mission resonates with you because you have worked in the financial sector before, whether at an Investment Firm, a Bank or a Fintech (or ideally a mix of all).
• You have extensive experience in AFC with a strong 2LoD foundation, including solid regulatory and hands-on experience across KYC, AML, CTF, and fraud prevention, plus knowledge and practical understanding of the German Money Laundering Act.
• You bring strong stakeholder management and communication skills: you can set clear requirements while bringing people along — collaborative, firm, and pragmatic.
• You have senior-level judgment and can confidently interact with representatives of large German banks.
• You can work in German and English at C-level proficiency and express yourself clearly, precisely, and professionally.
• You have B2B exposure (onboarding/monitoring/partner risk), ideally in models where you do not directly see end customers and must rely on partner controls. (nice to have)
• You have experience as Deputy MLRO (or in a comparable role with MLRO-level responsibilities). (nice to have)
• You have experience in AFC Operations (1LoD). (nice to have)

Benefits

• 🚀 Compensation package: We offer a competitive salary based on your experience and the value you bring to lemon.markets.
• 🕑 Flexible working hours: We trust people to choose when they work best and avoid a rigid 9-to-5 mindset. You decide on the rhythm that helps you do your best work, with shared core hours from 12:00 to 16:00 to support collaboration.
• 🏢 Hybrid work setup: You can work from anywhere in Germany (ideally from Berlin) within a hybrid model. At the same time, in-person collaboration is a key part of our culture. Individual contributors typically work on-site in our Berlin office 4 days or more per month for events, on-sites/offsites, or team dinners.
• 📈 Grow with us: We take your personal development seriously. You’ll receive regular mentorship and stretch opportunities, plus a clear career development framework with frequent feedback conversations so you always know where you stand and how to level up.
• 🌱 People & culture: You’ll feel our culture in the small things—polaroids from our lemoneers’ first day, Friday food market strolls at Maybachufer, and our monthly new-joiner breakfast—and in the bigger things: celebrating new partner onboardings, growing our teams, and maintaining a strong discussion culture.
• 💛 Perks & benefits: We choose benefits that add real value. We sponsor a Deutschlandticket for employees on unlimited contracts, plus 50% off Beatvest—our partner for financial education and investing.
• 🏝 Workation: Work remotely from anywhere in the EU for up to 10 consecutive days at a time, and up to 60 days per year in total.