Anti-Financial Crime Analyst - Counter Financing of Terrorism (CFT) Specialist
Anti-Financial Crime Analyst - Counter Financing of Terrorism (CFT) Specialist
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Our mission and customers
Our platform simplifies banking and finance management for SMEs today, so that they can build their tomorrow. We offer a finance management platform with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 53,000+ reviews.
Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75. This level of satisfaction is far above typical traditional banking scores, often ranging from 3 to 12, sometimes even lower.
Our journey
Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000 customers across 8 European countries: France, Germany, Italy, Spain, Portugal, Austria, Belgium, and the Netherlands. We have been profitable since 2023, and we are just getting started as we want to become the indisputable European leader in SME finance management.
Our beliefs
We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity is simply part of who we are.
We've built a discrimination-free hiring process because we believe the best teams are built on merit.
AI at Qonto
We see AI as a catalyst for our success.
We always choose thinking over routine. That's why AI is already deeply embedded in how we work - not as a trend, but as a way to raise the bar for the entrepreneurs who count on us. That is why we grant our Qontoers unlimited access to the best AI tools on the market - Claude Code, Cursor, Copilot, Dust, and Notion AI.
We want people who experiment without waiting for permission. Who push AI beyond the obvious. Who know when to trust it and, more importantly, when to question it.
Already pushing AI limits? You'll fit right in.
Join our Anti-Financial Crime (AFC) team to drive and perform enhanced investigations in case of suspicion; with a strong focus in Counter Financing of Terrorism (CFT), you will play a critical role in our second line of defense (LoD2). You'll act as a senior point of reference, bringing your existing expertise to support Qonto.
👩💻🧑💻 As an Anti-Financial Crime Officer at Qonto, you will
• Draft, review, and submit SARs, with a particular emphasis on FT typologies and risk indicators relevant to France.
• Lead and validate FT-focused enhanced investigations (LoD2) in line with French regulatory expectations, ensuring quality before submissions to TracFin.
• Provide daily oversight and guidance to LoD1 teams (Operations) on FT matters, including case calibration, thresholding, and escalation quality.
• Perform second-line controls over AFC operational activities, focusing on FT coverage, documentation standards, and evidence quality.
• Continuously improve playbooks and training on FT typologies, indicators, and geopolitical context to raise the bar across teams.
🤔 What you can expect
• Market & Team Context: You will work in a fast-paced environment where your CFT expertise directly protects Qonto and strengthens our relationship with the regulator.
• Collaboration: Work closely with AML Operations, Internal Control, and international teams, while partnering with our CFT expert on challenging scenarios.
• Methodologies: You will be immersed in our culture of continuous learning and improvement, The Qonto Way, using structured tools inspired by Lean management to tackle financial crime.
• Impact: You will have the opportunity to progress quickly by owning investigations and contributing to our oversight framework.
🤝 About your future manager
• Her path?
After pursuing a Law degree and a Business School diploma, Juliette discovered her passion for Compliance and Financial Crime matters. Over the past couple of years, Juliette has been actively involved in our Financial Security team by doing in-depth investigations, but also working on the development of tools and processes at Qonto.
Her previous experiences include roles at Coinhouse, a crypto-specialized Fintech, where she served as a Compliance Officer, but also in a Law firm where she was working for the white collar department.
• What does she bring to the team?
Juliette values teamwork and promotes a collaborative environment. Her background in law and compliance equips her with the skills and expertise to navigate the complexities of the financial industry effectively.
With a strong focus on communication and knowledge sharing, she fosters a positive work culture that encourages growth and development within her team at Qonto.
🏅 About You
• Experience: You have significant and proven experience (2+ years) in Anti-Financial Crime (LoD2), with a strong focus on Counter Financing of Terrorism (CFT)
• Technical Mastery: You are not just exposed to FT, you are an expert. You have a track record of identifying complex typologies, and can assess and document risks with rigor.
• Autonomy & Impact: You are ready to operate as a Second Line of Defense from day one. You can challenge LoD1 operational teams, provide guidance on calibration, and make difficult risk decisions without constant supervision.
• Regulatory Knowledge: You have a deep, operational mastery of French CFT regulations and challenges, and you adapt quickly to evolving terrorist financing schemes to safeguard Qonto effectively. You are also experienced in SAR submissions, Tracfin reporting, and applying advanced investigation methodologies.
• Language skills: You are fluent in French and English.
At Qonto we understand that true diversity isn't just about ticking boxes on a hiring checklist. Apply regardless of the boxes you tick! Who knows? You may have the missing piece of the puzzle we've been searching for all along.
Our hiring process
- Interviews with your Talent Acquisition Manager and future managers (1 hour each)
- A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like
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