Compliance officer – Germany (M/W)

Your world is changing, ours too!

BforBank is a long-standing player in online banking in France. Part of the Crédit Agricole Group, historic leader in retail banking in Europe and based on the model of a Tech-company , we place innovation and digital at the heart of our transformation.

We are a team of 500 passionate people, all committed and united by an ambitious project to create the digital bank of tomorrow.

After a successful launch of our new products in France last year, we have chosen Germany as the first country to open its doors internationally.

To develop, we have built a new banking offering that places people at the heart of its value proposition and will enable us to offer our German customers an incomparable banking experience.

Our goal is to support our clients towards financial well-being, that means the ability to effectively manage their finances, to feel in control and to maintain a balance between income, expenses, savings and investments.

Your role

You are at the beginning of a great adventure : support the international development of a fast-growing digital pure player, eager to conquer the German market!

In close collaboration with our central Compliance teams, you will help define and drive an ambitious plan to achieve a successful launch of BforBank on the German market.

You are part of our local German team and will be reporting to both the local Country Manager with a functional reporting to the Chief Compliance Officer (based in Paris).

In this role you will :

• Be the point of contact with supervisory authorities (Bundesbank, Bafin, Schufa).
• Participate actively in the fight against money laundering and financing of terrorism (LCB / FT) and on various applicable compliance-risk topics (client protection, advertising and communication, claims, market abuse, fraud), in close coordination with the French team.
• Manage German compliance-risk necessary procedures and controls, in synergy with the French work and documentation.
• Identify potential gaps with German regulation and propose improvements to strengthen compliance and reduce risks.
• Provide guidance and training to employees on compliance requirements and best practices, whether internally or with the Credit Agricole Group material.
• Propose appropriate corrective measures to reduce compliance, risk and fraud rates for a successful bank rollout in Germany.

Your profile :

Diploma : You hold a master's degree in legal, business, or a related subject. At BforBank, we are looking for skills. You don't have the required degree but have equivalent experience?

Don't hesitate to apply!

Experience : You have a proven track record of 5-8 years in in a regulated fintech, in a digital or a traditional bank.

Your strength :

• You speak a native level of German, and your English or French skills are very good
• Methodical, autonomous and rigorous, with strong analytical and reporting skills
• You have a very good ability to communicate and escalate, and to work as a team with the existing risk-compliance team in France

You are at the the right place if :

• You have professional experience in the field of compliance, law, audit or risk management.
• You have an extensive knowledge of the anti-money laundering and of the compliance regulations in the German context.
• You can follow several subjects while keeping a constant watch on potential regulatory issues.

About our benefits

• An ambitious project of digital and cultural transformation at European level, a field of innovation and openness.
• A learning organization, offering a wide choice of training courses all year round, and which promotes exchanges with the Credit Agricole group’s other brands.
• A CSR promotion that continuously evolves BforBank’s actions towards a more responsible bank.
• Agile work organization, involving a high degree of collaboration and autonomy while working with a diverse group of peers.

Additional information :

• 30 days’ holiday and additional special leave days
• Work from home or from coworking spaces
• A wide range of opportunities for your development, such as internal and external training, talent development programs and (inter)national career prospects within the Credit Agricole Group
• An extensive onboarding : you will gain into each of our teams as well as our company culture and values. In addition, all newbies get an onboarding buddy whom they ask for advice on all matters
• Insurance cover via a group accident insurance and survivors’ insurance

This is a remote only position for 2024 and from 2025 it will be a remote hybrid position with office in Frankfurt.

BforBank is committed to ensuring equal opportunities for candidates because we believe in the richness that diversity and inclusion bring to our teams .