Anti-Financial Crime - Oversight
Paris
Corporate & Middle Office – Risk & Compliance /
Full-time /
Hybrid
Our mission? Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe’s leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance.
Our journey: Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 600,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the LinkedIn Top Companies French ranking!
Our values:
Customer focus | Prioritize customers in everything you do
Ownership | Own your part, get things done
Teamwork | Make (team)work easy
Mastery | Continuously raise the bar
Integrity | Always do what’s right, and respect people
Our beliefs: At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 55% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.
Help build and run Qonto’s Group Anti‑Financial Crime (AFC) oversight function. You will standardize and govern risk mapping, policies, and procedures, and KYC/KYB sensitive‑case governance across our European markets, ensuring regulator‑ready documentation and supporting Qonto’s licensing ambitions.
At Qonto, our AML/CFT system operates on two levels:
Level 1: Ops – AML/Fraud team (operational controls)
Level 2: Anti‑Financial Crime team (definition, supervision, enhanced oversight).
This role sits in Level 2 with a Group‑wide scope.
👩💻🧑💻 As a Group AFC Oversight Officer at Qonto, you will:
• Lead the annual Group AFC risk taxonomy and mapping cycle, consolidating local inputs (FR/DE/IT/ES/BE) and documenting regulator‑grade rationale.
• Govern AFC policies and procedures (drafting, versioning, approvals, adoption) while reconciling local specifics with Group standards.
• Orchestrate cross‑market governance (forums/committees), publish clear MoMs and action plans, and drive on‑time closure.
• Define and refine KYC/KYB sensitive‑case governance (decision criteria, escalation matrix, SLAs/backlog targets, decision log).
🤔 What you can expect:
• First Group‑level AFC oversight function supporting Qonto’s multi‑country expansion.
• Close collaboration with local AFC, Risk, AML Ops, and Legal; English‑first, cross‑market audience.
• Autonomy with impact: standardize decisions, reduce unnecessary escalations, and improve SLA/backlog health.
• Clear, auditable artifacts (policies, decision logs, MoMs, dashboards) that raise consistency and transparency.
• A fast, pragmatic environment focused on outcomes and regulator readiness.
🤝 About your future manager
Your manager will be Nicolas Gougeon, our Head of Financial Crime Compliance.
• His path? Before joining Qonto, Nicolas had 8+ years of expertise from BNP Paribas, where he spent his last 5 years leading counter‑terrorism financing at the group level and 3+ years as a compliance officer in Group Financial Security. Before joining the banking sector, he gained unique insights as a Financial Analyst/Investigator at the French Ministry of Interior, specializing in organized crime and financial security.
• What can he bring to the team? Nicolas combines deep regulatory expertise with hands‑on experience in building group‑level oversight functions. Having successfully managed complex anti‑financial crime frameworks across multiple jurisdictions, he now brings this institutional knowledge to create Qonto’s first compliance group function. His background spans from frontline investigations to strategic risk management, making him uniquely positioned to guide both operational excellence and regulatory compliance as Qonto expands across European markets.
🏅 About You
• 5+ years in AML/Compliance within financial services, including multi‑jurisdiction coordination (group/second‑line a plus).
• Proven experience with AFC risk taxonomy and mapping, including annual review cycles and documented rationale.
• Track record in policy/procedure governance and driving adoption across functions and countries.
• Familiar with KYC/KYB sensitive‑case governance (decision criteria, escalation models, SLAs/backlog, quality).
• Excellent English communication and documentation. French or another EU language is a plus.
At Qonto, we believe in the power of a diverse team. Don't check every box? Apply anyway! You might be the unique piece we need.
🎁 Perks
A tailor-made and dynamic career track. An inclusive work environment. And so much more to help you succeed.
- Offices in Paris, Berlin, Milan, Barcelona, and Belgrade;
- Competitive salary package;
- A meal voucher;
- Public transportation reimbursement (part or global);
- A great health insurance (depending on the country);
- Employee well-being initiatives: access to Moka Care to take care of your mental health and great offers for sports and wellness activities;
- A progressive disability and parenthood policy (1 in 6 of Qonto employees is a parent!) and childcare benefits with selected partners;
- Monthly team events.
💬 Our hiring process:
- Interviews with your Talent Acquisition Manager and future managers
- A remote exercise to demonstrate your skills and give you a taste of what working at Qonto could be like
On average, our process lasts 20 working days and offers usually follow within 48 hours 🤞
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