Head of Anti-Financial Crime Compliance (AFCC) – France 🇫🇷

Job description

**Our mission and customers:** We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be [***rated 4.8 on Trustpilot***](https://www.trustpilot.com/review/qonto.com)***[,](https://www.trustpilot.com/review/qonto.com)***based on 55,000+ reviews. [***Our culture***](https://qonto.com/en/careers/culture)puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 **(more about our culture **[here](https://medium.com/qonto-way/the-qonto-way-our-culture-is-our-strategy-90defd4895f9)**).** **Our journey:**Founded in 2017 by[***Alexandre***](https://www.linkedin.com/in/aprot/) and [***Steve***](https://www.linkedin.com/in/steveanavi/)***,*** Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. **Our beliefs:** We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. [***We've built a discrimination-free hiring process***](https://medium.com/qonto-way/a-recruiters-dilemma-confronting-bias-in-hiring-b78acce148eb) because the best teams are built on merit. **AI at Qonto:** AI is deeply embedded in how we work (**[*here*](https://medium.com/qonto-way/ai-at-qonto-vision-statement-725a7e2f659b)**)*-* Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join us as **Head of Anti-Financial Crime Compliance (AFCC) – France**, based in **Paris**, to lead a pivotal evolution of our AFC function. You will secure the quality of our high-risk customer decisions while building more scalable KYC/KYB processes and establishing the team as a trusted second-line partner to Product. You will work closely with **Florence**, who leads the broader AFC Compliance function, and manage a team of AFC specialists covering AML KYB/C and Sanctions. Your work will directly shape how Qonto translates evolving French and European AML/CFT requirements into safe, efficient and customer-focused products and processes. ## As Head of AFCC – France at Qonto, you will - **Own high-risk customer governance:** Ensure sound, timely and well-documented decisions across Enhanced Due Diligence, high-risk customer approvals and periodic reviews - **Strengthen our KYC/KYB framework:** Translate evolving French and European AML/CFT requirements into clear policies, guidelines, questionnaires, controls and operational processes - **Advise Product on AFC risk:** Assess new features and customer journeys, provide clear second-line recommendations and help teams design workable, compliant solutions - **Build more scalable ways of working:** Move the team progressively from production-heavy activities toward process ownership, continuous improvement and controlled automation - **Lead and grow the team:** Set priorities, raise the bar on regulatory judgment and develop specialists with different levels of experience ## What you can expect - **A high-impact scope:** Your decisions will influence customer onboarding, product design and Qonto’s wider AFC risk framework - **A genuine build-and-transform challenge:** You will protect business continuity today while designing a more scalable operating model for tomorrow - **Close Product exposure:** You will work directly with Product, Tech, Operations and Compliance stakeholders to turn regulation into practical solutions - **A European environment:** You will help create a consolidated KYC/KYB view across Qonto while partnering with local AML Officers and respecting local accountability - **Meaningful ownership:** This is a hands-on leadership role where technical expertise, sound judgment and the ability to make progress through ambiguity all matter ## About your future manager You will report to **Florence**, who leads the broader AFC Compliance function. She values strong regulatory judgment, pragmatism and the ability to turn complex requirements into clear, actionable decisions. She is looking for a hands-on leader who can raise the team’s expertise while building a constructive partnership with Product and Operations. ## About You - **AFC expertise:** You bring significant hands-on experience in AML/CFT, KYC/KYB, EDD, high-risk customer decisions and periodic reviews within a regulated financial institution or fintech - **Second-line judgment:** You have interpreted French and European requirements and used them to define policies, guidelines or controls — not only to apply existing procedures - **Product partnership:** You can explain complex AFC topics clearly, challenge constructively and translate regulatory constraints into implementable solutions - **Leadership and improvement mindset:** You have led people, experts or complex initiatives and know how to improve processes without compromising regulatory quality - **Languages:** You are fluent in both **French and English**