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Financial Crime Prevention Expert | SME Lending & Credit Fraud Risk

fully flexible
Remote: 
Full Remote
Contract: 
Full time
Work from: 
Poland, Germany

Offer summary

Qualifications:

7+ years of experience in financial crime prevention, particularly in AML and anti-fraud domains., Strong understanding of SME banking and credit risk processes, with knowledge of financial crime regulations., Ability to analyze complex data sets using advanced analytics tools., Relevant certifications (e.g., CAMS, ICA Specialist) and a degree in Finance, Law, Business, or Risk Management are preferred..

Key responsibilities:

  • Serve as a subject matter expert in financial crime risk for SME clients and credit products.
  • Lead the assessment and mitigation of AML and fraud risks in lending processes.
  • Collaborate with various teams to enhance detection models and compliance strategies.
  • Provide expert input for regulatory reporting and participate in training on financial crime risks.

Aion Bank logo
Aion Bank Financial Services Scaleup https://aion.eu/
201 - 500 Employees
See all jobs

Job description

What we do?

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno’s cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

We are currently looking for a Financial Crime Prevention Expert ready to join our adventure, share our ambition and help shape the future of digital banking.
What you will be doing?
  • Serve as a subject matter expert in financial crime risk related to SME clients and credit products, supporting complex case investigations and policy development.
  • Lead the assessment and mitigation of AML and fraud risks within lending processes, especially those involving SME portfolios and cross-border exposures.
  • Design and refine risk-based monitoring strategies and detection scenarios tailored to SME behaviors and credit product typologies.
  • Advise first-line business functions on financial crime compliance in lending and SME onboarding processes.
  • Collaborate with model validation, credit fraud risk, and data analytics teams to improve detection models and scenario calibration.
  • Provide expert input into regulatory reporting, internal audit responses, and remediation of identified control gaps.
  • Participate in the design and delivery of specialized training focused on financial crime risks in SME and credit contexts.
  • Monitor changes in global regulatory frameworks and emerging typologies affecting SME lending and credit fraud (e.g., invoice fraud, credit misuse).
  • Represent the financial crime prevention team in internal working groups and external regulatory interactions, where applicable.
  • Mentor junior team members and support their development in investigative and risk assessment capabilities.
Skills you should have
  • 7+ years of experience in financial crime prevention, with a strong track record in both AML and anti-fraud domains.
  • Demonstrated experience in SME banking and credit risk processes, with a strong understanding of how these intersect with financial crime exposure.
  • Deep knowledge of financial crime regulations and typologies applicable to business lending, trade finance, and SME products.
  • Ability to analyze complex data sets and risk indicators using advanced tools or analytics platforms.
  • Proven experience in designing or evaluating financial crime controls across the credit lifecycle (from onboarding to repayment/default).
  • Excellent communication skills, with the ability to translate technical findings into actionable recommendations for senior stakeholders.
  • Proficiency in English, both written and spoken.
  • Strong leadership and project ownership skills; ability to drive cross-functional initiatives.
  • Relevant certifications (e.g., CAMS, ICA Specialist, CFE, or equivalent) highly desirable.
  • Degree in Finance, Law, Business, Risk Management, or a related discipline; postgraduate studies are a plus.
What we offer
You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package. 
We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support. 
Aion bank account without fee. 
We co-sponsor your Multisport card and cover 50% of its cost. 
You will work on computer equipment that delivers the best user experience — Apple MacBook. 
Our office in Warsaw offers healthy snacks throughout the day.
Our process
We keep our recruiting process simple. 
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment
Our note to you

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!

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About us
Read more about what we do on our website. 

Required profile

Experience

Industry :
Financial Services
Spoken language(s):
English
Check out the description to know which languages are mandatory.

Hard Skills

Fraud DetectionAMPLCredit Risk ManagementAnti Money LaunderingCommercial BankingAnalyticsFinancial RegulationsIntellectual PropertyRisk AnalysisCFEngines

Other Skills

  • Communication
  • Leadership
Are you interested?

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