AML/CFT Internal Control Lead

Qonto; Paris; Hybride; EUR 90 000 - 130 000; Plein temps

Résumé du poste

Qonto is seeking an Internal Control Officer - Compliance to strengthen its second-line AML/CFT control framework as we transition into a Credit Institution. You will own the testing of sanctions, embargo, PEP screening, transaction monitoring, EDD, and STR processes across markets.

You will collaborate with AFC, Compliance and Regulatory teams, coach first-line teams, and drive remediation with automation and enhanced controls. Paris-based hybrid role with 3 days in office and 2 remote.

Qualifications

• AFC/compliance experience: 3-5 years in AFC or compliance roles inside a bank, payment institution, or Big Four financial services practice — or in internal audit with a compliance focus.
• AML/CFT expertise: solid grounding in AML/CFT regulation, sanctions and embargo frameworks, fraud topics, and EDD requirements in a banking or fintech context.
• Risk assessment: you spot control gaps, size their real impact, and propose remediation that holds up — not flag-and-forget.
• Stakeholder management: you translate complex findings into plain language for non-compliance stakeholders, and you're comfortable questioning the status quo when the evidence says you should.
• Languages: fluent French and English.

Responsabilités

• Own second-line AML/CFT compliance: cover sanctions/embargo/PEP screening, transaction monitoring, EDD, and STR across every market Qonto operates in.
• Run periodic control plans: design and execute end-to-end testing of these processes, checking alignment with the source of truth, internal policy, and regulatory requirements.
• Track regulatory risk: assess where evolving banking and AFC regulation opens gaps in Qonto's control framework, and size the impact market by market.
• Drive remediation to closure: work with AFC, Compliance, and Regulatory teams to fix control findings, push for automation and process improvements, and lead the debriefs that get corrective actions signed off and implemented on time.
• Coach first-line teams: guide stakeholders on designing and testing their Level 1 controls, acting as the go-to on control methodology and best practice.

Connaissances

AFC/compliance experience

AML/CFT expertise

Risk assessment

Stakeholder management

Bilingual French/English

Description du poste

Qonto is seeking an Internal Control Officer - Compliance to strengthen its second-line AML/CFT control framework as we transition into a Credit Institution. You will own the testing of sanctions, embargo, PEP screening, transaction monitoring, EDD, and STR processes across markets.

You will collaborate with AFC, Compliance and Regulatory teams, coach first-line teams, and drive remediation with automation and enhanced controls. Paris-based hybrid role with 3 days in office and 2 remote.