KYC/KYB Analyst

[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 4.7 on Trustpilot,based on 60,000 reviews. Our cultureputs customer satisfaction at the core of what we do (more about our culture here).

[OUR JOURNEY] Founded in 2016 and launched in 2017 byAlexandre and Steve, Qonto has grown to 1,700 Qontoers serving over 750,000 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, and 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 because the best teams are built on merit.

[AI AT QONTO] AI is deeply embedded in how we work (here) - 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 a KYC/KYB Analyst to protect Qonto's regulated growth while keeping onboarding fast and fair for our clients. You'll review enhanced due diligence and KYBC cases, decide who can safely open or keep a Qonto account, and flag financial-crime risks the moment you spot them, working closely with our Lead EDD. 

➡️ What you'll do

• Decide on high-risk files: Review EDD cases for onboarding and lifecycle reviews, then approve, reject, or send them back to L1 for missing or invalid documents.

• Handle KYBC edge cases fast: Assess alternative documents and gray-activity requests, closing decisions within a 48-hour SLA when clients are blocked.

• Focus where it matters: Automation handles the routine files, so you'll concentrate your judgment on the riskiest ones during your weekly control checks.

• Cross-check the numbers: Compare declared turnover and financial documentation against real account activity to spot inconsistencies.

➡️ What we're looking for

• Fluent in French and English, including legal reading: You read bylaws, RCS extracts, and legal documentation as comfortably as any other business document, in French, and work just as easily in English.

• Risk judgment under ambiguity: You reason through gray-area cases instead of defaulting to blanket rejection or blanket approval.

• AFC/KYC/KYB fundamentals: You're curious about AFC/KYC/KYB topics and ready to learn on the job.

• Attention to detail: You catch missing documents, invalid evidence, and inconsistencies that others might miss.

• AI-native mindset: You're comfortable letting AI handle routine cases so you can focus on the ones that need real judgment.

➡️ What we can offer you

• Real autonomy, fast: Reach independent decision-making on routine files within a few months, with complex cases escalated together.

• A growing scope: As Qonto's credit products expand, you'll take on larger companies and more complex corporate structures over time.

• Structured onboarding: Shadow the team, get weekly 1:1s, and have every early decision reviewed before you go fully autonomous.

• A seat at the intersection of compliance and fraud: Your work directly feeds AFCU's transaction-monitoring investigations, broadening your view beyond onboarding. 

[DIVERSITY] 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.

[HIRING PROCESS DURATION] On average, our hiring process lasts 20 working days. More information on our candidate journey here

[DATA RETENTION] By applying, you agree that Qonto processes your personal data to assess your application. Your data is kept for up to 2 years in our candidate pool. Read our Privacy Notice for full details.

🔒 Your security matters to us

Recruitment scams are on the rise. Qonto will never work with third-party platforms or agencies that request payment from candidates. If you receive a suspicious message claiming to be from Qonto, please report it to [email protected].