KYC/KYB Analyst

Qonto; Paris; Sur place; EUR 60 000 - 90 000; Plein temps

Résumé du poste

Qonto is hiring a KYC/KYB Analyst to protect regulated growth while keeping onboarding fast and fair for clients. You will review enhanced due diligence and KYBC cases, decide who can open or keep a Qonto account, and flag financial-crime risks under the guidance of the AFCC France lead.

You will assess high-risk files, analyze alternative documents, and ensure decisions are timely, accurate, and compliant with regulatory standards.

Qualifications

• Fluent in French and English, including legal reading.
• Risk judgment under ambiguity, able to handle gray-area cases.

Responsabilités

• Decide on high-risk files: Review EDD cases for onboarding and lifecycle reviews, then approve, reject, or escalate.
• Assess KYBC edge cases and gray-activity requests, resolving decisions within tight SLAs.
• Focus on high-risk cases; let automation handle routine files while you exercise judgment on the riskiest ones.
• Cross-check declared turnover and financial documents against activity to detect inconsistencies.

Connaissances

Fluent 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 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 1,600+ 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 (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.

Join us as a KYC/KYB Analyst to protect Qonto's regulated growth while keeping onboarding fast and fair for our clients. You'll review enhanced due diligence and KYBC cases, decide who can safely open or keep a Qonto account, and flag financial-crime risks the moment you spot them, all under the guidance of Guilhem, our Head of AFCC France.

What you'll do

• Decide on high-risk files: Review EDD cases for onboarding and lifecycle reviews, then approve, reject, or send them back to L1 for missing or invalid documents.
• Handle KYBC edge cases fast: Assess alternative documents and gray-activity requests, closing decisions within a 48-hour SLA when clients are blocked.
• Focus where it matters: Automation handles the routine files, so you'll concentrate your judgment on the riskiest ones during your weekly control checks.
• Cross-check the numbers: Compare declared turnover and financial documentation against real account activity to spot inconsistencies.

What we're looking for

• Fluent in French and English, including legal reading: You read bylaws, RCS extracts, and legal documentation as comfortably as any other business document, in French, and work just as easily in English.
• Risk judgment under ambiguity: You reason through gray-area cases instead of defaulting to blanket rejection or blanket approval.
• AFC/KYC/KYB fundamentals: You're curious about AFC/KYC/KYB topics and ready to learn on the job.
• Attention to detail: You catch missing documents, invalid evidence, and inconsistencies that others might miss.
• AI-native mindset: You're comfortable letting AI handle routine cases so you can focus on the ones that need real judgment.

What we can offer you

• Real autonomy, fast: Reach independent decision-making on routine files within a few months, with complex cases escalated together.
• A growing scope: As Qonto's credit products expand, you'll take on larger companies and more complex corporate structures over time.
• Structured onboarding: Shadow the team, get weekly 1:1s, and have every early decision reviewed before you go fully autonomous.
• A seat at the intersection of compliance and fraud: Your work directly feeds AFCU's transaction-monitoring investigations, broadening your view beyond onboarding.

Your future manager

You'll report to Guilhem Astoux, Head of Anti-Financial Crime Compliance for France. Guilhem built his background in regulatory compliance and internal control over 8+ years, including as Head of Compliance and Internal Control at Lyra Collect and Senior Consultant at KPMG, before leading Qonto's regulatory and AFCC teams. He's hands-on early on — expect shadowing and close support while you ramp up — then steps back once you're ready to decide on your own.

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.

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