France AFC Expert – Second-Line Investigator

Qonto; Paris; On-site; EUR 70,000 - 85,000; Full time

Job summary

Qonto is seeking an AFC Expert (France) to validate Enhanced Investigations before submission to Tracfin and to draft SARs for complex cases. You will contribute to quality controls and help refine detection processes within a fast-paced fintech environment.

You will lead investigations, collaborate with AML, Fraud and Onboarding teams, and supervise junior colleagues while staying curious about AI-assisted tooling and automation.

Qualifications

• 2–3 years of experience in second-line Anti-Financial Crime compliance.
• Fluency in French and English; a law background is a plus.
• Written Enhanced Investigations and Suspicious Activity Reports (SARs) for regulatory authorities.

Responsibilities

• Validate Enhanced Investigations drafted by the AFC team before reporting to Tracfin.
• Draft, review and validate SARs for Tracfin, including complex cases.
• Run quality controls on second-line work and, occasionally, first-line alerts.
• Propose complex risk scenarios and update investigation procedures to improve detection.
• Coach junior colleagues and share methodologies within AML and Fraud teams.

Skills

AML compliance

French language

English language

Regulatory reporting

Analytical thinking

Education

Master's degree in Law

Tools

Slack

Back-office tools

Investigation software

Job description

Qonto is seeking an AFC Expert (France) to validate Enhanced Investigations before submission to Tracfin and to draft SARs for complex cases. You will contribute to quality controls and help refine detection processes within a fast-paced fintech environment.

You will lead investigations, collaborate with AML, Fraud and Onboarding teams, and supervise junior colleagues while staying curious about AI-assisted tooling and automation.