Deputy AML Manager - Belgium
Functieomschrijving
Ready to Get Shit Done?
At bunq, we're more than just a bank, we're transforming how people experience banking across Europe. Our users deserve to bank like locals, no matter where they are. We started Belgium with local IBANs, but we're now upgrading to full-branch status, which means taking on direct regulatory standing, deeper compliance obligations, and new accountability to Belgium's NBB (National Bank of Belgium) and financial regulators.
As AML Manager Belgium, your mission is to lead Belgium through this compliance transition, ensuring we move seamlessly from our lighter vIBAN model to full-branch operations while maintaining regulatory trust and operational excellence. You'll be the accountable person who owns Belgium's entire compliance footprint, AML/CFT operational readiness, integrity-risk assessment (SIRA), and financial-crime reporting (FIU), all operating at full-branch regulatory standards.
Take Ownership
As AML Belgium, you'll own:
- Transition Belgium to full-branch compliance model, migrate from vIBAN-era compliance systems to full-branch operations, ensuring seamless readiness for NBB oversight and maintaining zero regulatory findings during the upgrade.
- Own Belgium's SIRA, AML/CFT, and FIU obligations end-to-end, establish Belgium-localized SIRA integrity-risk assessments, AML/CFT gap analysis, and FIU financial-crime reporting, using AI-first mechanisms to deliver what traditional banks staff with a local team.
- Prepare Belgium's AML program for regulatory inspection readiness, maintain audit trails, evidence documentation, and control testing for NBB oversight.
What You'll Work on Right Away
- Full-Branch Compliance Readiness Audit : Conduct a comprehensive audit of Belgium's current compliance posture under vIBAN model, identify gaps for full-branch requirements (NBB, FSMA, Ombudsfin), and deliver a remediation roadmap with specific AI-driven solutions.
- Belgium-Localized SIRA & FIU Systems : Design and implement Belgium-specific SIRA integrity-risk controls and FIU financial-crime reporting mechanisms, using AI tooling to automate what possible and keeping humans in the loop for judgment calls and escalations.
Do You Have What It Takes?
- Deep Belgian AML/CFT & regulatory expertise - You understand NBB requirements, FSMA rules, local banking regulations, and their practical application; you can translate Belgian regulatory language into operational compliance controls.
- Proven ownership of compliance programs end-to-end - You've built or scaled a compliance program (not just supported one), managing operational readiness, risk assessment, and regulatory reporting as the accountable person.
- Proven ability to manage AML inspections and regulatory audits, preparing evidence, audit trails, and control documentation for regulator scrutiny.
- AI-first operating mindset - You're comfortable building compliance operations using AI and automation (not traditional local headcount), and you can design mechanisms that let AI handle routine workflows while you focus on exceptions and regulatory judgment.
- Fluency in Dutch, French, or both + English - You can navigate Belgian regulatory communication and engage with local stakeholders in their language; English fluency for bunq-wide collaboration.
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Your space to perform
We give you the space and the tools you need to succeed 💪🏼
🤟 Great, international colleagues who share your mindset
🌟 Make lasting impact by working on complex & exciting challenges
👩💻 Remote setup: after 3 weeks onboarding in Amsterdam (“AMS”) office, work 2 weeks a quarter in AMS - the rest of time you can work in Belgium.
📚 We support growth with bunq Academy and €1500 annual learning budget
🚌 Travel expenses are covered for AMS visits
💻 A MacBook so you can Get Shit Done with us
🧘 €60 monthly allowance that rolls over monthly and resets annually, replacing the phone/internet line above
🍹 Frequent epic events, including an annual bunq weekend away
All new hires are subject to Pre-employment Screening (PES), which includes checks conducted by our third-party partner, Zinc. This is part of our commitment to a secure and trustworthy workplace
Vaardigheden genoemd
Founded in 2012 by the innovative Dutch-Canadian entrepreneur Ali Niknam, bunq has embarked on a mission to revolutionize banking in Europe. What started with the vision of creating a user-centric bank has turned into a significant player in the fintech space. By obtaining a banking license from De Nederlandsche Bank in 2014, bunq positioned itself as a pioneer, launching the first fully mobile bank in the Netherlands in 2015. With a focus on ease of use and transparency, bunq’s offerings include personal and business accounts, multi-currency services, and a public API that enables seamless integration for developers. As the company expanded its footprint across 30 European countries, it achieved unicorn status by raising the largest Series A round in the history of European fintech, valued at €1.6 billion. bunq’s commitment to responsible banking is evident in its sustainability initiatives, such as offsetting CO2 emissions through tree planting for every transaction made on its debit cards. Through innovative features like dedicated money pots and investment options, bunq makes managing finances both easy and engaging. The company continues to prioritize technological advancement, regularly launching updates that further enhance user experience. With a growing team and a dedicated approach to creating financial solutions that cater to modern lifestyles, bunq is paving the way for a new era in banking.
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