(Senior) AFC Manager (m/f/d)
ABOUT US
Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.
We serve two primary customer segments:
- Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
- Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions.
Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue Visa-powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.
Learn more at
www.getpliant.com
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.
If you are currently based outside of Berlin but within EU/UK and open to relocating, we encourage you to apply!
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 high-risk SME or corporate clients, ideally from a bank or fintech, and with exposure to the US market.
- Experience and good understanding in the assessment of high-risk ML/TF factors, as well as the principles of EU, UK, and US 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
At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process—we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.