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Banco Bilbao Vizcaya Argentaria

Global banking and financial services

Fincrime Associate

Full-TimeDeadline 11/1/26
No salary listed
Mid
Bachelor's
Frankfurt, Germany
HybridGenerous home-office arrangement; required office days are not specified.
Risk & ComplianceFinancial Crime & AML

About the job

Requirements
  • A completed university degree, for example in law, economics, or a comparable field, or an equivalent relevant professional qualification and experience.
  • At least 2–4 years of relevant professional experience in AML, fraud, financial crime, or compliance, ideally in banking, fintech, or another regulated financial institution; experience may be in investigations, second-line oversight, controls/testing, policy, advisory, or a combination.
  • A strong understanding of German anti-money-laundering legislation, local regulatory requirements, and relevant investigation processes.
  • Strong written and spoken German and English, with the ability to advise stakeholders, constructively challenge matters, and document clear, comprehensible, and robust conclusions.
  • Ability to interpret complex data and identify suspicious patterns.
  • Analytical thinking, attention to detail, and the ability to identify material risks and issues.
  • A proactive, pragmatic, team-oriented approach and willingness to take responsibility for operational matters and broader financial-crime-framework issues.
Responsibilities
  • Review and challenge complex AML, terrorist-financing, and fraud cases and escalations, providing independent compliance assessments and recommendations when needed.
  • Conduct risk-based second-line controls and thematic reviews of AML and fraud processes, document findings, track remediation actions, and ensure sustainable implementation.
  • Provide oversight and quality assurance for key financial-crime processes, including transaction monitoring, investigations, and suspicious activity reporting (SAR), focusing on accuracy, timely handling, documentation, and effective escalation.
  • Support the Money Laundering Reporting Officer (MLRO) and Financial Crime team in preparing and responding to inquiries from supervisory, audit, and law-enforcement authorities, including coordinating and quality-checking relevant documents.
  • Advise Customer Operations, Risk, Product, and other stakeholders on AML and fraud requirements, controls, risk acceptance, and practical implementation.
  • Maintain and develop local financial-crime policies, procedures, and control standards by translating German legal and regulatory requirements into operational guidance aligned with Group standards.
  • Contribute to continuous improvement of AML and fraud monitoring, monitoring scenarios, workflows, and governance in collaboration with Operations, Data Analytics, and AML systems teams.
  • Support the MLRO with financial-crime risk assessments, issue management, management information, and prioritization and escalation of material risks.
  • Provide practical recommendations and deliver briefings and training to strengthen awareness of AML and fraud risks and embed effective financial-crime processes.
Desired Qualifications
  • Spanish language skills are an advantage.
  • Experience in banking, fintech, or another regulated financial institution is ideal.

About the company

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Banco Bilbao Vizcaya Argentaria

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Banco Bilbao Vizcaya Argentaria, commonly known as BBVA, is a multinational financial services group offering retail, commercial and corporate banking. It provides accounts, payments, lending, mortgages, investment products and financial guidance for individuals and businesses, alongside services for institutional clients. BBVA combines physical banking networks with digital channels and operates across multiple international markets. Its business spans everyday financial needs, business financing, wealth management and transaction services within the regulated banking industry. Its workforce combines specialist delivery, customer support and business operations.

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