Associate Director, for Fintech and Digital Assets

Job Summary As the Associate Director of FCC, you will be a critical guardian of the bank’s integrity, specifically focusing on the evolution and execution of Know Your Customer (KYC) and Client Due Diligence (CDD) frameworks. This role carries a high-impact mandate to navigate the frontier of financial crime, with a specialized focus on FinTech, Crypto Asset Service Providers (CASPs), and New Payment Methods (NPM).

You will bridge the gap between global policy and local German regulatory expectations, serving as a key architect in the transition toward the new EU-AML legislative package.

Key Responsibilities

• Act as the primary advisor for the SCB AG client portfolio, with a dedicated focus on the onboarding of FinTech and CASP (other NPM – New Payment Method) clients.
• Support the preparation and implementation of the new EU-AML legislative package, ensuring the bank is ahead of the curve in regulatory transitions.
• Handling the process for CDD exemptions (CSE/BRE), high-risk client approvals, and deferrals.
• Execute specialized FCC processes for FinTech/CASP sectors, including PSES feedback, underlying customer risk assessments, and challenging first-line (1LoD) submissions.
• Support the first-line (1LoD) in the onboarding process of new FinTech/CASP sector clients.
• Support the maintenance and further development of CDD policies, standards and DOIs, especially on the FinTech and CASP related topics ensuring they remain aligned with evolving regulations.
• Support the topics of payment transparency (travel rule) and transaction monitoring related to FinTech and CASP.
• Support the local FCC Risk Assessment (GRA) and Obligations Register, while performing rigorous controls over the client portfolio status.
• Maintain close contact with Group stakeholders and first-line Subject Matter Experts (SMEs) to harmonize compliance goals with business growth.

Skills And Experience Educational & Professional Background :

• Academic: Graduate or Postgraduate degree in Law or Business.
• Certification: Professional certification such as CAMS or ICA (CCP) is highly preferred.

Experience

• Proven track record in Financial Crime Compliance (AML/Sanctions) with a deep understanding of the German regulatory environment.
• Deep experience with German financial crime regulations and a strong background in Digital Assets (CASP) and FinTech compliance.

Technical & Soft Skills

• Analytical Rigor: Exceptional ability to synthesize complex data into clear, actionable reports.
• Communication: Dual-fluency in German (Native level) and English is essential for navigating local requirements and global reporting lines.
• Independence: A self-starter capable of managing high-pressure remediation initiatives and Business-as-Usual (BAU) tasks in an international matrix organization.
• Ethical Leadership: A commitment to the highest standards of conduct, living the Group’s values through transparency and collaboration.

About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the clie