Internal Control Officer – Compliance

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

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 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 1,600+ Qontoers serving over 600,000+ 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 - 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.

Join us as our Internal Control Officer - Compliance to strengthen Qonto's second-line AML/CFT control framework as we complete our transition into a Credit Institution. You'll own the periodic control plans testing our sanctions, embargo and PEP screening, transaction monitoring, EDD, and suspicious transaction reporting (STR) processes across every market Qonto operates in. You will report to Jérémy, our Lead Internal Control.

What You'll Do

• 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.

What We're Looking For

• 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.

What We Can Offer You

• Direct line to Qonto's compliance backbone: your control plans directly secure Qonto's AML/CFT posture as we scale into a Credit Institution.
• A team that spans real ground: join an Internal Control team covering Finance, Legal, AFC, and Regulatory risk — different domains, one shared methodology.
• Senior exposure from day one: regular contact with senior stakeholders across AFC, Compliance, and Regulatory teams, not just your immediate team.
• A regulatory landscape that keeps moving: new AML/CFT rules and sanctions regimes to track and build controls around — not a static playbook.
• Hybrid setup: 3 days/week from the Paris office, 2 remote.

Your future manager

• Your manager will be Jérémy, our Lead Internal Control. He is dedicated to building a best-in-class control framework and values autonomy, rigor, and proactive communication. He will provide the structure you need (monthly control plans, kick-offs) while trusting you to manage your deadlines and stakeholders independently.

Your security matters to us

Recruitment scams are on the rise. Keep in mind, we will never work with third-party platforms or agencies that request payment from candidates.

If you receive a suspicious message claiming to be from Qonto, please report it right away ([e-mail])

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On average, our hiring process lasts 20 working days.

More information on our candidate journey here.