Our mission? Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe’s leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance.

Our journey: Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 600,000 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 55% 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 us as Anti-Financial Crime Analyst to strengthen our AML/CFT system and play a pivotal role in our exciting expansion into the Portuguese market.

You'll report to Pablo Rubio (Head of Anti-Financial Crime for Spain & Portugal) and work closely with Miguel Seixas (Anti-Financial Crime Officer for Portugal) as part of our pan-European AFC team.

Your analysis, insights, and local regulatory expertise will directly influence how we build compliant-by-design AFC operations in Portugal and support Qonto's ambition to become the leading fintech across the Iberian Peninsula.

• Monitor & Investigate Suspicious Activity

◦ Analyze alerts from our transaction monitoring system and conduct investigations into potentially suspicious activity

◦ Prepare and submit Suspicious Activity Reports (SARs) to Portugal's Financial Intelligence Unit (UIF) when warranted

◦ Assess business models, ownership structures, and transaction patterns to detect financial crime risk

• Build AFC Foundations in Portugal

◦ Help design and implement Portugal-specific AFC processes, adapting our proven frameworks to meet Banco de Portugal's regulatory expectations

◦ Contribute to developing local policies, procedures, and operational playbooks for the Portuguese market

◦ Partner with Compliance, Product, and Operations teams to embed AFC controls into our customer journey

• Execute Customer Due Diligence

◦ Conduct thorough Enhanced Due Diligence (EDD) on higher-risk customers or transactions

◦ Maintain accurate documentation and case files in line with regulatory record-keeping requirements

• Collaborate Cross-Functionally

◦ Work with Fraud, Product, Legal, and Customer teams to address emerging threats and typologies

◦ Support training and awareness initiatives to build a strong risk culture across the organization

• Drive Continuous Improvement

◦ Identify patterns, trends, and weaknesses in our detection capabilities and propose enhancements

◦ Share insights with the wider AFC team to improve detection models, scenarios, and operational efficiency

◦ Stay current on Portuguese AML/CFT regulatory developments and emerging financial crime trends

• Shape a new market: Be part of building AFC operations in Portugal from the ground up with the opportunity to make a real impact on our market entry strategy

• Work in a high-growth environment: Join a fast-paced fintech where every day brings new challenges as we establish our presence in Portugal

• Use cutting-edge tools: Leverage modern systems like ComplyAdvantage and WorldCheckOne to conduct your analysis

• Gain valuable expertise: Develop deep knowledge of Portuguese AML/CFT regulations and build valuable experience in market expansion

• Collaborate with diverse experts: Work alongside a team from across the financial industry, including your manager Pablo who brings 10+ years of AFC experience from fintech MLRO roles and Big 4 consulting

Pablo Rubio is our Head of Anti-Financial Crime for Spain & Portugal. With 10+ years in financial crime and fraud prevention, including roles as Manager at Deloitte's Financial Crime & Fraud Prevention practice and MLRO at Solaris SE, Pablo brings both Big 4 rigor and fintech agility. He's passionate about building robust compliance frameworks while maintaining agility in fast-growing fintech environments, making him the perfect leader for our Iberian expansion.

• Experience: You have experience in financial crime analysis or regulatory compliance and understand AML/CFT frameworks

• Technical proficiency: You're comfortable working with transaction monitoring and reporting tools

• Investigation skills: You've conducted AML/CFT investigations and due diligence, with strong attention to detail and pattern recognition

• Adaptability: You thrive in fast-paced environments and can quickly adjust to new challenges, especially in a market launch context

• Languages: You speak Portuguese fluently and are fluent in English; Spanish is a plus as cross-market collaboration is expected

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

Find more information about our interview process on our careers website.

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

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