Anti-Financial Crime 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.

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Join us as an Anti-Financial Crime Analyst (DE) in our Amsterdam office to investigate and report suspicious activities, ensuring Qonto's compliance with German AML/CFT regulations. You'll join our Anti-Financial Crime team and work closely with Ludmila Moroniewicz, our Lead Anti-Financial Crime Germany & CDD, to protect our growing German client base from financial crime risks.

➡️ What you'll do

• Investigate and report: Perform enhanced investigations on suspicious client activities and issue Suspicious Transaction Reports (STR) to the German FIU when necessary.

• Ensure reporting quality: Detect and describe patterns on investigated accounts to ensure regulatory reports meet the highest standards.

• Handle team escalations: Investigate cases escalated by the transaction monitoring team, assess risk, and recommend next steps.

• Strengthen the AFC framework: Contribute to improving investigation processes and documentation standards as Qonto's German operations scale.

➡️ What we're looking for

• AML/Financial Crime experience: You have first experience in AML, Financial Crime, or Compliance — ideally in fintech or banking. You've handled real cases, not just studied the theory.

• Analytical rigor: You have a logical mind and can analyze complex datasets, spot errors, and build well-reasoned investigation conclusions.

• Quality and throughput: You deliver high-quality work while managing multiple cases in parallel — you know how to prioritise without cutting corners.

• Language proficiency: Fluency in English, Dutch and German is required for this role.
  

➡️ What we can offer you

• Real investigative work: You'll handle STRs, enhanced due diligence, and escalation reviews — not back-office monitoring. The cases are complex and the stakes are real.

• A market you'll help build: Qonto's German AFC processes were built from scratch. You'll contribute to an operation that's still being shaped, not just maintained.

• Investigative culture: The team values logical thinking and curiosity — understanding the why behind a transaction matters more than ticking a checklist.

➡️ Your future manager

Your manager will be Ludmila Moroniewicz, our Lead Anti-Financial Crime Germany & CDD.

• Her path? 9 years in Money Laundering prevention in fintech — from KYC/KYB roles to AFC Lead, reporting directly to the MLRO of Qonto's German branch. She contributed to launching Qonto's operations in Germany and built the Financial Crime processes for the German market from scratch. Her Global CDD Expert role gave her an overview of KYC/KYB processes across all Qonto markets.

• What does she bring to the team? A hands-on leadership style that fosters continuous learning and professional growth. She knows the German regulatory landscape inside out and gives her team the autonomy to own their investigations.

[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

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