Our mission? Making day-to-day banking easier for SMEs and freelancers thanks to an online business account that's combined with invoicing, bookkeeping and spend management tools. Thanks to its innovative product, highly reactive 24/7 customer support and clear pricing, Qonto has become the leader in its market.

Our journey: Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 500,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the LinkedIn Top Companies French ranking!

Customer focus | Prioritize customers in everything you do

Ownership | Own your part, get things done

Teamwork | Make (team)work easy

Mastery | Continuously raise the bar

Integrity | Always do what’s right, and respect people

Our beliefs: At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 50% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.

Discover the steps we took to create a discrimination-free hiring process.

Join Qonto as our Head of Financial Crime - Germany (Geldwäschebeauftragter) and take the lead in driving our financial crime compliance initiatives while navigating complex regulatory landscapes. Reporting directly to Maxime, our Chief Risk & Compliance Officer, and collaborating closely with our Executive Management Team and our Local Country MD (Germany), you'll be key to strengthening our AML framework, removing regulatory barriers, and redefining fintech compliance in Germany.

• Policy Enhancement: Monitor and enhance AML policies, procedures, and internal control measures for the German branch

• Strategic Advisory: Assist the board of directors in AML-related issues, including organizational structure and resource allocation

• Risk Mitigation: Evaluate issues and remediation proposals presented by the MLRO

• Compliance Reporting: Ensure periodic reporting to corporate bodies on AML activities and regulatory interactions

• Regulatory Remediation: Oversee the implementation of a comprehensive remediation plan to address regulatory concerns

• Governance Leadership: Chair the local risk committee, preparing and debriefing high-stakes meetings

• Regulatory Liaison: Represent Qonto to local authorities and drive necessary changes across the organization

• Management Validation: You will participate in the validation process for high-risk clients at the German branch.

• Team Leadership: Manage and lead a team within the financial crime division, ensuring alignment with AML objectives and regulatory expectations

🤔 What you can expect:

• Market/Team Context: A dynamic fintech environment facing complex regulatory challenges in the German market

• Methodologies: Agile working practices with a focus on cross-functional collaboration and continuous improvement

• Projects: Lead the implementation of a multi-stage plan to lift regulatory restrictions and scale our German operations

• Tools: Work with cutting-edge AML monitoring and reporting technologies

🤝 About your future manager:

• Your manager will be Maxime Laot, our Chief Risk & Compliance Officer.

• His path? Maxime has a robust career in risk management and financial regulation, with over 15 years of experience in the industry. He joined Qonto in January 2020 as Head of Risk and quickly advanced to VP Risk & Compliance before taking on his current role as Chief Risk & Compliance Officer. Before Qonto, he gained valuable experience at the European Central Bank as a Senior Banking Supervisor and at Groupe BPCE in Internal Audit.

• What he can bring to the team? Maxime brings a wealth of expertise in risk management and compliance, underscored by his CFA and FRM certifications. His strategic insights into capital markets and financial regulation are invaluable for navigating complex financial landscapes. Maxime's leadership is focused on fostering a risk-aware culture and ensuring robust compliance frameworks, which are essential for Qonto's growth and stability. His multilingual skills and international experience enhance his ability to lead diverse teams and handle cross-border regulatory challenges.

🏅About you:

• Experience: 10+ years of experience in AML/CFT, with extensive expertise as an MLRO in German financial institutions, and a strong record of leading and managing AML teams successfully

• Expertise: Deep knowledge of German AML regulations and the ability to interpret and apply them effectively

• Stakeholder Management: Proven ability to navigate complex organizational structures, influence decision-makers, and build strong relationships with regulatory bodies

• Communication: Strong verbal and written communication skills, with the ability to articulate complex AML concepts to diverse audiences, from technical teams to board members

• Adaptability: Demonstrated flexibility in adapting to rapidly changing regulatory landscapes and emerging technologies in the fintech sector

• Languages: High proficiency in both German and English is required

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.

A tailor-made and dynamic career track. An inclusive work environment. And so much more to help you succeed.

- Offices in Paris, Berlin, Milan, Barcelona, and Belgrade;

- Tailor-made remote work policy depending on the job you apply for and where you live;

- Competitive salary package;

- A meal voucher;

- Public transportation reimbursement (part or global);

- A great health insurance (depending on the country);

- Employee well-being initiatives: access to Moka Care to take care of your mental health and great offers for sports and wellness activities;

- A progressive disability and parenthood policy (1 in 6 of Qonto employees is a parent!) and childcare benefits with selected partners;

- Monthly team events.

- Interviews with your Talent Acquisition Manager and future managers

- A remote exercise to demonstrate your skills and give you a taste of what working at Qonto could be like

We will send you an interview guide so you can best prepare yourself.

On average, our process lasts 20 working days and offers usually follow within 48 hours 🤞

To learn more about us:

Qonto's Blog | Forbes Italy I La Repubblica | Il Sole 24 Ore