Trading 212 is a financial technology company building a global investment platform for people who want accessible, self-directed investing. Its products include commission-free trading, fractional shares, Stocks and ETFs, ISAs, share lending, and automated investment “pies,” with support for multiple currencies and access to well-known public companies.
The platform combines investing tools with a focus on account security, transparency, and regulatory compliance across the UK, EU, and Australia. For prospective employees, Trading 212 offers the opportunity to work on products that connect financial technology, investing, customer experience, and regulated financial services.
AML and Financial Crime Manager, Portugal (Hybrid) - Trading 212
Trading 212 is hiring an AML and Financial Crime Manager to oversee Portuguese branch compliance for its mobile investment brokerage. The role covers regulatory reporting, quality assurance, risk assessments, policy development, and engagement with Portuguese authorities.
Description
- Review AML controls, alerts, and First Line of Defense investigations as part of the second line.
- Perform quality assurance reviews of KYC, Customer Due Diligence, and Enhanced Due Diligence files.
- Evaluate transaction monitoring investigations and their outcomes.
- Review suspicious activity escalations and assess whether cases meet the threshold for external regulatory reporting.
- Support the drafting, review, and quality assurance of Suspicious Activity Reports and Suspicious Transaction Reports.
- Stay current on AML, CMVM, and UIF requirements, Lei n.º 83/2017, Regulamento da CMVM n.º 2/2020, applicable laws, and industry best practices.
- Prepare monitoring and quality assurance reports for AML management.
- Guide operational teams and provide constructive challenge.
- Submit the mandatory annual AML/CTF compliance report to the CMVM.
- Enhance AML policies, procedures, and control frameworks.
- Serve as the designated Responsável pelo Cumprimento Normativo for the Financial Intelligence Unit and DCIAP.
- Create, implement, and maintain the branch’s Portuguese internal policies and procedures manual.
- Conduct and maintain the branch’s money laundering and terrorist financing risk assessment.
- Submit Suspicious Transaction Reports and maintain escalation records and reporting logs.
- Oversee outsourced AML activities and perform periodic reviews of their performance.
- Deliver AML/CTF onboarding and annual refresher training, and maintain training records.
- Keep AML records complete, accurate, and retrievable, including client records for seven years after the business relationship ends.
- Report assets subject to international financial sanctions.
- Serve as the primary local contact for CMVM, the Financial Intelligence Unit, and DCIAP during supervisory matters and inspections.
Requirements
- Degree-level education in Finance, Economics, Law, or a related discipline.
- At least five years of experience in AML, financial crime compliance, or a related function within a Portuguese investment firm, capital markets organization, or regulatory or supervisory authority.
- Comprehensive knowledge of Lei n.º 83/2017, Regulamento da CMVM n.º 2/2020, EU AML Directives, financial crime typologies, and investigative standards.
- Demonstrated initiative, analytical ability, and problem-solving skills.
- Confidence and resilience when working under pressure.
- Strong interpersonal and relationship-building abilities, with the capacity to collaborate across teams and seniority levels.
- Ability to learn new information quickly and maintain technical expertise in AML investigations.
- Excellent written communication, especially for regulatory documentation and reporting.
- Advanced professional Portuguese proficiency is required.
- Professional working proficiency in English is required.
- Experience in an investment firm or capital markets setting, including MiFID II or Código dos Valores Mobiliários, is strongly preferred.
Benefits
- A challenging role designed to support rapid professional growth.
- The opportunity to help build innovative services used by millions of investors.
- Collaboration with capable, energetic, supportive, and high-performing colleagues.
- A generous remuneration package.