Onboarding and KYC Specialist

Impactribe Ltd; Paris; Hybrid; EUR 42,000 - 64,000; Full time

Benefits offered by this job

Hybrid work

Health insurance

Budget for perks

Biannual offsites

Job summary

Spiko is hiring an Onboarding & KYC Specialist to own the end-to-end investor onboarding journey across multiple European markets. You will ensure fast, smooth onboarding while rigorously applying KYC policies, leveraging AI to streamline verification workflows and scale processes.

You will work within the Customer Success team, collaborating with Compliance to implement efficient, compliant onboarding with a strong emphasis on accuracy and proactive problem-solving.

Qualifications

• Experience in onboarding, KYC operations, or client-facing compliance roles (1–3 years).
• Structured, meticulous, able to review complex documentation and manage a dossiers pipeline.
• Familiarity with multi-jurisdictional KYC/AML requirements and fintech/banking contexts.

Responsibilities

• Own investor onboarding journey across multiple European markets.
• Perform first-level KYC checks for individuals and entities.
• Review and approve investor documents in-app, including bank verification.
• Maintain due diligence through periodic reviews and anomaly flagging.
• Collaborate with Compliance to analyze high-risk cases.
• Identify onboarding bottlenecks and propose improvements.
• Work with Product/Engineering to enhance onboarding tooling and AI-based checks.

Skills

Onboarding

KYC

Compliance

Documentation review

Pipeline management

AI & automation mindset

French language

English language

Tools

Document extraction

Identity verification

Job description

Money sitting idle is money lost. We're fixing that.

Founded in 2023 by Antoine and Paul-Adrien , Spiko gives businesses, non-profits, financial advisers, and fintechs access to institutional-grade cash management, via app or API. We are building the full infrastructure: issuing, operating, and distributing the products ourselves.

Two years after launch, we serve thousands of organizations across Europe and process hundreds of millions of euros in flows every month. Netherlands is one of our priority markets for the next phase of growth.

Our ambition: become the world's leading treasury management infrastructure in a market worth trillions.

We are backed by Index Ventures, the CEO of Revolut, the founder of Kyriba, and the CTO of Wise.

Spiko runs on excellence, transparency, and straight talk.

The role: Onboarding & KYC Specialist

As an Onboarding and KYC Specialist, you'll own the end-to-end investor onboarding journey, from first document review to account activation, across multiple European markets with different regulatory frameworks and documentation standards.

You'll be accountable for two things: the client experience (how fast and smooth the onboarding feels from the investor's perspective) and compliance quality (how rigorously our KYC policies are applied).

You'll be the one making sure every new client gets through the door smoothly, applying our KYC procedures with rigour while delivering a frictionless experience. You'll also actively leverage AI and automation to streamline verification workflows and scale onboarding without compromising on compliance quality.

You will be a member of our Customer Success team. You'll work hand in hand with our Compliance team who set the policies and handle escalated cases, your focus is on executing those processes flawlessly at scale.

Key Responsibilities

Investor Onboarding & KYC Execution

Manage the onboarding of investors (retail, corporate, institutional) distributed via Spiko Finance or third-party partners, across several European markets (France, and expanding).

Conduct first-level KYC checks for both individuals and legal entities: review of identity documents, beneficial ownership structures, source of funds, and risk scoring, following the procedures defined by the Compliance team.

Handle the review and approval of investor documents within the app, including bank account verification and documentation checks tailored to the investor's risk level and transaction size.

Maintain ongoing due diligence by monitoring client documentation (periodic reviews, document renewals) and flagging anomalies or suspicious patterns to the AML team for further investigation.

Investigate complex or high-risk cases with the Compliance team, providing clear context and preliminary analysis to facilitate decision-making.

Onboarding Process Improvement

Identify bottlenecks in the onboarding journey (drop-offs, document back-and-forth, approval delays) and propose actionable improvements to reduce friction and time-to-activation.

Work closely with Product and Engineering to enhance onboarding tools, leverage AI for document extraction, identity verification, and risk screening, and automate repetitive manual checks to increase throughput while maintaining compliance standards.

Document and standardize onboarding workflows to ensure consistency and scalability as the client base grows.

Contribute feedback to the Compliance team on the practical applicability of procedures, helping bridge the gap between regulatory requirements and operational reality.

Who we're looking for

Requirements (must-haves)

Experience: 1 - 3 years in an onboarding, KYC operations, or client-facing compliance role, ideally within financial services, fintech, or a regulated environment. Hands-on experience reviewing corporate documentation is a strong plus.

Skills: you're structured, meticulous, and comfortable reviewing complex documentation (corporate structures, identity documents, source of funds). You know how to manage a pipeline of dossiers without letting things slip.

Market: comfortable working across multiple European jurisdictions with varying KYC/AML requirements. Experience in fintech or banking is a plus - what matters most is a genuine interest in financial services and a willingness to navigate different regulatory environments.

Mindset: you're highly rigorous and take ownership of your work. You see onboarding not as an administrative task but as the first impression clients have of Spiko.

Autonomy: you're proactive, reliable, and able to manage your pipeline independently while knowing when to elevate.

AI & tools mindset: you're curious about how AI can improve KYC and onboarding operations - whether it's automating document checks, flagging anomalies, or reducing manual back-and-forth. You don't need to be technical, but you're eager to experiment and push for smarter workflows.

Languages: fluent in French (native level) with excellent written skills, and professionally proficient in English.

Nice to have

Any additional European language (Spanish, Italian, German…) is a strong plus.

What we offer

Hybrid work - Remote friendly (2 days per week & 1 full week per month)

Health insurance (Sidecare) - 100% covered by Spiko

The best tech for your job: latest-generation laptops and industry-leading software

Health insurance: 100% covered by Spiko

Monthly Budget to cover different perks of choice

Social life: regular afterworks and biannual offsites

Our hiring process

Screening interview - 30 min with Nathalie, Talent Acquisition

Hiring Manager interview - 30 min via video call or in-person

Business Case: To work on at home and present online or in person

Final in-person Interviews with the Founders

Reference Check: we'll reach out to your references to gather further insights

Amsterdam, Netherlands, Ireland, Dublin, Ireland, Netherlands