Senior Product Manager - Risk & Compliance

Qonto; Barcelona; On-site; EUR 70,000 - 110,000; Full time

Job summary

Qonto is seeking a Product Manager for KYCB to shape identity verification, fraud and sanctions rules across Europe. You will own how customers are verified from sign-up to periodic reviews, guided by the Director of Product for Customer Lifecycle.

You will design AI-driven decisioning, streamline onboarding, and partner with Ops to deliver scalable, compliant solutions for a growing customer base. English fluency is required, and impact spans global markets.

Qualifications

• Experience shipping products in KYC, AML, fraud, or similar regulated domains.
• Ability to translate regulatory logic into clear, buildable workflows.
• Proven collaboration with operations and design teams.
• Experience designing AI-driven, agentic workflows.
• Fluent English communication.

Responsibilities

• Own entry-into-relationship checks across countries and business types.
• Design AI-driven, agentic compliance workflows end-to-end.
• Rethink periodic reviews to balance risk and friction.
• Modernize onboarding stack by migrating to a new workflow platform.
• Partner daily with Ops to shape the daily work of a global team.

Skills

Compliance product experience

Regulated domain knowledge

Ops collaboration

AI-native workflows

English fluency

Job description

Our mission and customers:

We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here).

Our journey:

Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,700 Qontoers serving over 750,000 customers across 8 European countries. We have been profitable since 2023, and we are just getting started.

Our beliefs:

We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit.

AI at Qonto:

AI is deeply embedded in how we work here. Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it.

Mission

Join us as a Product Manager for KYCB and help build one of the most sophisticated compliance engines in Europe. You'll own how Qonto verifies who its 600,000+ customers are — from their first sign-up to their next periodic review — under the guidance of Quentin, our Director of Product for Customer Lifecycle.

What you'll do

• Own entry-into-relationship checks: You'll shape the identity, fraud, and sanctions rules that decide who becomes a Qonto customer, across countries and business types.
• Design agentic compliance workflows: You'll build AI-driven decisioning that automates routine checks end-to-end, reserving human judgment for the cases that truly need it.
• Simplify periodic reviews: You'll rethink how we re-verify high-risk customers over time, cutting friction without cutting rigor.
• Modernize the onboarding stack: You'll help migrate hundreds of Ops reviewers off a legacy tool onto a new, purpose-built workflow platform.
• Partner daily with Ops: You'll ship changes that directly shape the daily work of a large, global operations team.

What we're looking for

• Compliance or risk product experience: You've shipped products in KYC, AML, fraud, or another regulated domain.
• Complex rules, made simple: You know how to translate dense regulatory logic into clear, buildable workflows.
• Ops-first mindset: You've partnered closely with operations teams and design for the people who use your tools every day.
• AI-native workflow: You use AI to build faster, and you're excited to design agentic workflows that automate real decisions.
• Fluent in English: You communicate comfortably in English.

What we can offer you

• A domain mid-transformation: You'll join KYCB as it shifts from manual checks to agentic automation.
• High-stakes impact: Your work will touch every Qonto customer, at every stage of their relationship with us.
• A growing scope: As Qonto opens new markets and legal forms, your remit will keep expanding.
• Direct access to leadership: You'll work closely with Quentin and the wider Customer Lifecycle product team on how Qonto builds trust at scale.

Your future manager

You will report to Quentin, Director of Product for Customer Lifecycle. Quentin started his career as a consultant in Paris before spending four years building products for a challenger bank in Kuala Lumpur, and he's been shaping Qonto's product org since 2021.

DEI statement

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.

On average, our hiring process lasts 20 working days.

More information on our candidate journey here.