lemon.markets

Senior AFC Operations Specialist

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Description

lemon.markets is a Brokerage-as-a-Service platform that enables anyone to be an investor by providing simple digital access to capital markets through a single API. As part of the dwpbank Group, we combine dwpbank's stability with our technology-first mindset to build a modern securities services ecosystem. In this role, you will own day-to-day AFC operations, investigate suspicious activity, design and improve controls, and collaborate with cross-functional teams to ensure effective and scalable anti-financial-crime processes. You will also maintain audit-ready documentation and drive process optimization projects. This role is central to managing risk while enabling sustainable growth in a highly regulated environment.

Requirements

  • Substantial hands-on AFC Operations experience within financial services, including investigations, operational controls and risk-based decision-making.
  • Practical experience preparing and submitting suspicious activity reports via goAML and a strong understanding of suspicious activity handling in an operational environment.
  • Solid experience improving, automating and scaling AFC processes and comfortable contributing to project work across operational and technical stakeholders.
  • Deep understanding of German and European AML requirements, regulatory expectations and industry best practices.
  • Fluent in German at C2 level and communicate confidently in English at C1 level.

Languages

German
C2 · Fluent
A1A2B1B2C1C2
English
C1 · Advanced
A1A2B1B2C1C2

Experience Level

InternEntry LevelMid-levelSeniorLeadExecutive

Benefits

Competitive salary based on experience and value-add.
Flexible working hours with core hours from 12:00 to 16:00.
Hybrid work setup with 4+ days per month on-site in Berlin office.
Personal development support with mentorship, stretch opportunities, career framework, and annual learning budget.
People & culture initiatives including Polaroids, new-joiner breakfasts, and annual offsites.
Perks & benefits: Deutschlandticket sponsorship for unlimited contracts, 50% off Beatvest.
Workation: remote work from anywhere in the EU for up to 10 consecutive days, up to 60 days per year.

📍 Life in Berlin

👥
Population
3.6M
⭐
Quality of Life
8.0
🇬🇧
English Friendly
9.0
💻
Tech Scene
9.0
🌍
International
10.0
🚇
Public Transport
9.0
🚴
Bikeability
9.0
🌬️
Air Quality
6.0
🌳
Green Spaces
7.0
🚗
Car Free
8.0
ℹ️

About Berlin

  • •Creative and tech hub
  • •Diverse neighborhoods
  • •Excellent public transport
🌤️

Climate

  • •Continental climate
  • •Cold winters
  • •Mild summers
  • •Four distinct seasons
❄️Jan: 0°C☀️Jul: 19°C📅Avg: 10°C
☀️1625 sunshine hours/year
🛡️

Safety

  • •Generally safe
  • •Higher petty crime than Munich
  • •Some areas less safe at night
Overall:7.0
🏥

Healthcare

  • •Good hospital network
  • •Charité is world-renowned
  • •Wait times can vary
Quality: 9.0Access: 8.0
🎭

Culture

  • •World-class museums
  • •Vibrant art scene
  • •Rich history
10.0
🎉

Nightlife

  • •Famous club scene
  • •Diverse nightlife
  • •24/7 culture
10.0
🏞️

Recreation

  • •Many parks
  • •Lakes
  • •Tiergarten
  • •Active outdoor scene
8.0
💰

Cost of Living

  • •More affordable than Munich
  • •Prices rising rapidly
  • •Still cheaper than many European capitals
🏠 Rent (1BR center):€1231
⚡ Utilities:€220
🛒 Groceries:€280
🍽️ Dining out:€16

Engagement

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Berlin-based Brokerage-as-a-Service platform offering API-based infrastructure for digital brokerage and custody (fractional trading, real-time processing, ETFs/stocks/funds). Holds BaFin licenses. Acquired by dwpbank (Germany's central securities-services bank) on 30 Sep 2025; remains an independent subsidiary expanding pan-European multi-asset offerings.

€per year
€20k€250k

Your situation in Germany

The default for anyone single, divorced or widowed.

Only changes the church tax rate — 8% in Bavaria and Baden-Württemberg, 9% everywhere else.

Childless employees over 23 pay a higher Pflegeversicherung (care insurance) rate.