Anti-Financial Crime Officer - Counter Financing of Terrorism (CFT)

Qonto; Paris; Sur place; EUR 50 000 - 80 000; Plein temps

Résumé du poste

A leading financial services firm in Paris seeks an Anti-Financial Crime Officer to manage AML/CFT frameworks. Responsibilities include leading investigations, drafting SARs, and overseeing operational teams. The ideal candidate has 1-3 years in Anti-Financial Crime, fluency in French, and strong regulatory knowledge. This position offers competitive salary, training opportunities, and an inclusive work environment focused on diversity.

Prestations

Offices in multiple major cities

Competitive salary package

Meal vouchers

Public transportation reimbursement

Health insurance

Mental health and wellness programs

Childcare benefits

Monthly team events

Qualifications

• 1-3 years of experience in Anti-Financial Crime or related investigations.
• Practical exposure to financial terrorism and risk assessment.
• Strong understanding of Tracfin expectations and SAR workflows.
• Ability to give constructive feedback to operations teams.

Responsabilités

• Lead and validate FT-focused investigations in compliance with regulations.
• Draft, review, and submit Suspicious Activity Reports (SARs).
• Provide oversight and guidance on financial terrorism matters.
• Perform second-line controls over AFC operations.
• Continuously improve training on FT typologies and indicators.

Connaissances

Experience in Anti-Financial Crime

CFT Specialization

Regulatory understanding

Fluent in French

Fluent in English

Integrity

Autonomy

Thoroughness

Description du poste

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.

Discover the steps we took to create a discrimination-free hiring process.

Join our Anti-Financial Crime (AFC) team to define and supervise the AML/CFT framework and perform enhanced investigations in case of suspicion. You will play a critical role in our second line of defense (LoD2), with a strong focus on Counter Financing of Terrorism (CFT) to support our growing oversight needs in France.

As an Anti-Financial Crime Officer at Qonto, you will

• Lead and validate FT-focused enhanced investigations in line with French regulatory expectations, ensuring quality before submissions to TracFin.
• Draft, review, and submit SARs, with a particular emphasis on FT typologies and risk indicators relevant to France.
• 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

You will report to Juliette, who brings a strong background in law, compliance, and in‑depth investigations. She fosters a collaborative, knowledge‑sharing environment where team members are encouraged to grow their expertise.

About You

• Experience: You have ~1‑3 years of experience in Anti‑Financial Crime, Compliance, or related investigations (backgrounds from public institutions or traditional banks are welcome).
• CFT Specialization: You have practical exposure to FT and can identify, assess, and document FT risks and typologies with rigor.
• Regulatory Mastery: You have a strong understanding of Tracfin expectations, SAR workflows, and the evolving FT threat landscape in France (including jihadist terrorism).
• Languages: You are fluent in both French and English.
• Soft Skills: You demonstrate integrity, autonomy, and thoroughness, and you are comfortable partnering with operations teams to give clear, constructive feedback.

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.

Perks

• Offices in Paris, Berlin, Milan, Barcelona, and Belgrade;
• Competitive salary package;
• Meal vouchers;
• 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 or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like.

Find more information about our interview process on our careers website.

On average, our process lasts 20 working days and offers usually follow within 48 hours.

To learn more about us:

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

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