Onboarding and KYC Specialist

Spiko; Paris; Hybrid; EUR 40.000 - 50.000; Vollzeit

Benefits dieser Stelle

Competitive package: €40k-€50k salary

Hybrid work: 2 days/week + 1 full week

Health insurance (Sidecare) - 100%

Office in central Paris

Monthly budget for perks

Transport support: 50% passes

Referral bonus

Biannual offsites

Zusammenfassung

Spiko seeks an Onboarding & KYC Specialist to own end-to-end investor onboarding across Europe, ensuring fast, compliant experiences. You will review documents, verify identities, and manage risk, collaborating with Compliance to resolve complex cases while leveraging AI to streamline workflows.

You’ll join the Customer Success team in Paris, contributing to scalable processes with a strong emphasis on accuracy and regulatory adherence.

Qualifikationen

• 1-3 years in onboarding, KYC operations, or client-facing compliance.
• Experience reviewing corporate documentation is a strong plus.
• Structured, meticulous, and can review complex documentation.
• Comfortable working across multiple European jurisdictions with varying KYC/AML requirements.
• Rigorous, takes ownership, onboarding as the first client impression.
• Autonomy to manage your pipeline independently.
• AI & tools mindset to improve KYC and onboarding operations.
• Languages: fluent in French with excellent English proficiency.

Aufgaben

• Investor Onboarding & KYC execution across European markets.
• Review identity documents, ownership structures, source of funds, risk scoring.
• Review and approve investor documents in the app, verify bank accounts.
• Monitor ongoing due diligence and flag anomalies to AML team.
• Collaborate with Compliance for high-risk cases.
• Identify onboarding bottlenecks and propose improvements.
• Work with Product/Engineering to leverage AI and automate checks.

Kenntnisse

Onboarding experience

KYC operations

Client-facing compliance

Pipeline management

Attention to detail

Regulatory knowledge

Fluent French & English

Jobbeschreibung

Our Mission

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

• Competitive package: €40k - €50k salary + competitive stock options

• 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

• Office: in central Paris

• Health insurance: 100% covered by Spiko

• Monthly Budget to cover different perks of choice

• Transport: 50% of public transport pass covered or the Forfait Mobilités Durables (FMD)

• Referral Bonus

• Social life: regular afterworks and biannual offsites

Our hiring process

1. Screening interview - 30 min with Nathalie, Talent Acquisition

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

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

4. Final in-person Interviews with the Founders

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

6. Offer