Onboarding and KYC Specialist

Spiko

Paris

Hybrid

EUR 40,000 - 50,000

Full time

14 days+

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Benefits offered by this job

Competitive salary €40k-€50k

Hybrid work (2 days remote, 1 fullweek

Health insurance

Top tech equipment

Central Paris office

Monthly perk budget

Transport support

Referral bonus

Social events

Job summary

Spiko is hiring an Onboarding and KYC Specialist to own investor onboarding across European markets, ensuring fast, frictionless experiences while applying rigorous KYC controls. You will work with Compliance to implement scalable processes, leverage AI for document extraction, and maintain a strong client-first mindset.

Based in Paris with hybrid work options, you will contribute to scale in a rapidly growing fintech environment, collaborating with Product, Engineering, and AML teams to

Qualifications

Experience: 1–3 years in onboarding, KYC operations, or client-facing compliance.
Structured, meticulous approach to reviewing complex documentation.
Comfortable navigating multiple European jurisdictions and regulatory environments.
Ownership mindset with ability to manage a pipeline independently.
Interest in applying AI to automate verification and risk screening.

Responsibilities

Manage investor onboarding and KYC execution across European markets.
Conduct first-level KYC checks on individuals and entities; review documents.
Handle document review and wallet/bank verification within the app.
Monitor ongoing due diligence and flag anomalies to AML team.
Collaborate with Compliance to resolve high-risk cases and improve processes.

Skills

Onboarding

KYC

Regulatory compliance

Attention to detail

Autonomy

AI tooling mindset

French language

Job description

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 standardise 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.

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