Our mission is to empower SMEs to thrive in business and beyond by offering Europe’s top finance workspace. We provide professional-grade tools—such as streamlined invoicing, expense management, and pre-accounting—alongside dedicated 24/7 support to simplify financial operations.

Founded by Alexandre and Steve in July 2017, Qonto has quickly earned the trust of over 600,000 clients. With a team of more than 1,600 Qontoers, we’ve also been recognized in LinkedIn’s Top Companies ranking in France.

Our core values:

– Customer focus: Put customers first in everything you do.
– Ownership: Take responsibility and deliver results.
– Teamwork: Foster collaboration and ease of working together.
– Mastery: Strive for continuous improvement.
– Integrity: Do the right thing and treat others with respect.

Our commitment:

At Qonto, we are dedicated to creating an inclusive environment where everyone can thrive. We assess candidates based on skills and potential, not background. Our team is 55% international, 44% women, and 20% parents. We celebrate diversity and individuality in the workplace.

We’ve taken concrete steps to build a hiring process free from discrimination.

Join us in shaping and managing Qonto’s Group Anti-Financial Crime (AFC) oversight function. You’ll help standardize risk mapping, policies, and procedures, and oversee sensitive KYC/KYB cases across our European markets, ensuring full regulatory compliance and supporting our licensing goals.

Our AML/CFT framework has two levels:

– Level 1: Operations – AML/Fraud team (day-to-day controls)
– Level 2: Anti-Financial Crime team (strategy, supervision, and oversight)

This role is part of Level 2, with a group-wide scope.

As a Group AFC Oversight Officer, you will:

– Lead the annual Group AFC risk taxonomy and mapping process, consolidating input from France, Germany, Italy, Spain, and Belgium, and documenting regulatory rationale.
– Manage AFC policies and procedures, ensuring alignment between local needs and group standards.
– Coordinate cross-market governance through forums and committees, ensuring clear documentation and timely follow-ups.
– Define and improve KYC/KYB sensitive-case governance, including decision criteria, escalation paths, SLAs, and tracking.

What to expect:

– Be part of the first Group-level AFC oversight team supporting Qonto’s European growth.
– Work closely with local AFC, Risk, AML Ops, and Legal teams in a cross-market, English-first environment.
– Enjoy autonomy and make a tangible impact by streamlining decisions and improving process efficiency.
– Create clear, auditable documentation that enhances consistency and transparency.
– Thrive in a fast-paced, results-driven environment focused on regulatory readiness.

About your future manager:

Nicolas Gougeon, Head of Financial Crime Compliance, will be your manager. He brings over 8 years of experience from BNP Paribas, where he led group-level counter-terrorism financing and worked as a compliance officer. Before that, he was a financial analyst/investigator at the French Ministry of Interior, specializing in organized crime and financial security. Nicolas combines deep regulatory knowledge with practical experience in building group-wide compliance functions.

About You:

– 5+ years of experience in AML/Compliance within financial services, including cross-border coordination (group or second-line experience is a plus).
– Strong background in AFC risk taxonomy and mapping, including annual review cycles.
– Proven ability to manage policy and procedure governance across teams and countries.
– Familiarity with KYC/KYB sensitive-case governance, including decision-making frameworks and performance metrics.
– Excellent communication and documentation skills in English; French or another EU language is a plus.

We value diverse perspectives. Even if you don’t meet every requirement, we encourage you to apply—you might be the perfect fit.

Perks:

– Personalized career development in a dynamic environment.
– Inclusive workplace culture.
– Offices in Paris, Berlin, Milan, Barcelona, and Belgrade.
– Competitive compensation package.
– Meal vouchers.
– Public transport reimbursement.
– Excellent health insurance (varies by country).
– Employee wellness programs, including access to Moka Care and wellness discounts.
– Inclusive disability and parenthood policies, plus childcare benefits.
– Monthly team events.

Our hiring process:

– Interviews with your Talent Acquisition Manager and future managers.
– A remote task to showcase your skills and give you a feel for the role.

Our process typically takes 20 working days, with offers made within 48 hours.

Learn more about us:

Qonto’s Blog | Les Échos | L’Usine Digitale | Courrier Cadres

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