Full-Time
Senior Product Manager
Kyc and Aml
Spendesk
201-500 employees
Financial technology for automated expense management
No salary listed
Senior
Paris, France
Hybrid
Hybrid role, requiring some in-office presence.
- Minimum of 5+ years of experience in Product Management, with 3+ years specifically in KYC/AML infrastructure.
- Deep understanding of compliance frameworks, identity verification technologies, and regulatory reporting requirements.
- Proven experience launching and scaling compliance products in a regulated environment across multiple markets.
- Solid understanding of AI Models, its applications, experience or interest on applying AI in product.
- Strong expertise in financial crime prevention, risk scoring methodologies, customer due diligence processes, financial crime typologies, mitigation strategies, FATCA/CRS.
- Excellent stakeholder management skills, with experience working cross-functionally in a fast-paced environment.
- Strong analytical and problem-solving skills, with experience using data to drive decision-making.
- Experience with API-first architectures and compliance technology integration.
- Familiarity with data protection standards (GDPR) and emerging compliance technologies.
- Strong understanding of the competitive landscape and emerging trends in RegTech.
- Communication: Fluent in English. French is a plus.
- Define and execute the KYC/AML product vision and strategy with Spendesk Financial Services (SFS), ensuring alignment with company objectives.
- Drive innovation in customer due diligence and risk monitoring, balancing user experience, regulatory requirements, and risk appetite.
- Own the product roadmap, setting clear and actionable goals that drive measurable impact while ensuring close alignment with SFS governance and operational efficiency objectives.
- Proactively identify, test, and implement enhancements to ensure they remain effective, scalable, and aligned with regulatory expectations.
- Leverage data and analytics to optimise cost, risk detection, reduce false positives, and monitor key compliance metrics.
- Embed Compliance by design, ensuring Spendesk Financial Services meets AML/CFT regulations.
- Work closely with Risk, Compliance and Operations teams to implement and maintain effective customer risk assessment frameworks.
- Drive continuous improvement in KYC onboarding conversion rates while maintaining robust risk controls.
- Lead vendor selection and integration strategy for identity verification providers, screening databases, and monitoring tools.
- Optimise cost efficiency across verification methods while maintaining high compliance standards.
- Familiarity with data protection standards (GDPR) and emerging compliance technologies.
- Communication: Fluent in English. French is a plus.
Spendesk offers a financial technology platform that helps businesses manage their spending more effectively. The platform provides finance teams with a clear overview of all company expenses, including both virtual and physical transactions. Users can easily track expenses and capture receipts, with over 95% of receipts being submitted on time, which enhances real-time visibility into spending habits. Spendesk is designed to be user-friendly, making it easy for companies to transition to the platform, as evidenced by 98% of their clients reporting a smooth switch. Unlike many competitors, Spendesk operates on a subscription model with no hidden fees or setup costs, allowing businesses to automate their expense management without increasing back-office workload. The goal of Spendesk is to enable companies to make faster and smarter spending decisions while maintaining control over their financial processes.
Company Size
201-500
Company Stage
Series C
Total Funding
$287.4M
Headquarters
Paris, France
Founded
2016
Simplify's Take
What believers are saying
- Partnership with Wise enables low-cost international payments in 30 currencies.
- Spendesk's AI integration enhances productivity and compliance with data regulations.
- Growing AI adoption among UK SMBs presents a market opportunity for Spendesk.
What critics are saying
- Fragmented AI adoption may lead to inefficiencies and data security issues.
- Regulatory compliance challenges arise with international payments in Europe and the UK.
- Competitive pressures from other fintechs may impact Spendesk's market position.
What makes Spendesk unique
- Spendesk offers 100% visibility and built-in automation for financial processes.
- The platform captures over 95% of receipts on time, ensuring real-time expense tracking.
- Spendesk's subscription model has no hidden fees, appealing to cost-conscious businesses.
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Benefits
Transport reimbursements - Monthly contribution to your transportation card (metro, bus or train).
Offsite and events - Regular team events to exchange with other Spendeskers and get to know each other better
Personal Day - 3 personal days per year to rest and enjoy life
€50 on your Spendesk card - To buy anything you need for work
For Spendeskers with kids - Generous parental leave & a lot of flexibility for working parents
Great offices - In the hearts of Berlin, London, Paris, and San Francisco.
Growth & Insights and Company News
6 month growth
↓ -3%1 year growth
↑ 0%2 year growth
↑ 3%👩🍳 How we use AI at Tech in Asia, thoughtfully and responsibly.🧔♂️ A friendly human may check it before it goes live. More news hereAnt International predicts that its AI model for foreign exchange (FX) could be as transformative for financial services as OpenAI’s GPT has been for the wider business world.The company has introduced the Time-Series Transformer (TST) AI FX Model to forecast trading volumes and manage financial risks.The TST model analyzes numerical data to predict cash flow and FX exposure, claiming over 90% accuracy.It operates on hourly, daily, and weekly intervals. The goal is to help clients reduce unnecessary hedging and risk-premium costs.Unlike generative AI models like GPT, the TST focuses on core financial operations such as trading and transaction processing.🔗 Source: South China Morning Post🧠 Food for thought1️⃣ Financial AI’s divergent paths: Beyond generative modelsAnt International’s Time-Series Transformer represents a specialized AI approach that addresses fundamentally different needs than general-purpose LLMs like ChatGPT.While most financial institutions are focused on implementing generative AI, these models have largely remained at the periphery of core financial operations, with the Financial Stability Board noting they’re primarily used for customer interactions and regulatory compliance 1.Quantitative finance experts have recognized this limitation, with research showing that LLMs—despite their vast language capabilities—aren’t optimally designed for the numerical prediction tasks central to trading and risk management 2.This division in AI development reflects broader industry trends, where 85% of CFOs see AI as a means to improve efficiency, yet 61% of finance teams have yet to implement meaningful AI solutions. This suggests a gap between general AI capabilities and specialized financial needs 3.The evolution from basic AI applications to specialized models like Ant’s TST reflects the growing understanding that different domains require purpose-built AI architectures rather than adapting general-purpose models.2️⃣ Time-series models address finance’s prediction-centric coreAnt’s focus on time-series prediction directly targets the fundamental quantitative challenges of financial services that generative AI has struggled to address.Financial institutions have been applying AI to optimize capital allocation and enhance trading analysis for years, but these applications have required specialized models designed specifically for numerical data processing rather than text generation 1.Recent research on AI in quantitative investment highlights how time-series models are particularly valuable for predicting market movements and automating trading decisions—precisely the use case Ant International is targeting 4.The practical value of such specialized models is evident in their application areas: while LLMs excel at document analysis and customer service, financial institutions implementing AI for trading strategies and risk management consistently rely on specialized numerical prediction models 5.This explains why Ant describes its technology as potentially “foundational” for financial services—it addresses the prediction-centric core of finance rather than the communication and documentation aspects where generative AI currently excels.Recent Ant International developments
👩🍳 How we use AI at Tech in Asia, thoughtfully and responsibly.🧔♂️ A friendly human may check it before it goes live. More news hereAnt Digital Technologies launched its AI-powered fintech solutions at the Dubai FinTech Summit on May 13, 2025. This marked the company’s first global introduction of its product suite, including Agentar, Zoloz, and mPaaS.Agentar offers zero-code and low-code AI tools for building applications like customer service agents and risk monitoring systems.Zoloz is a digital identity solution used by over 100 million users in Southeast and South Asia.MPaaS, built on Alipay’s infrastructure, supports high-performance mobile app development.The company has partnered with over 300 entities and offers more than 80 solutions to 10,000 industrial clients.🔗 Source: Ant Digital Technologies🧠 Food for thought1️⃣ AI in finance has evolved from experimental to essentialThe arrival of Ant Digital Technologies’ AI suite represents the culmination of decades of technological evolution in financial services.Early AI applications in finance date back to the 1950s with basic automation in accounting, followed by expert systems in the 1980s like Protrader for market predictions and PlanPower for financial planning 1.By 1993, we saw the FinCEN Artificial Intelligence System analyzing 200,000 transactions weekly to detect money laundering, successfully identifying $1 billion in potential cases 1.Today’s AI financial applications have progressed dramatically beyond these early systems, with J.P. Morgan’s COIN platform demonstrating the efficiency leap by analyzing 12,000 credit agreements in seconds, work that previously took 360,000 human hours 2.This evolution reflects broader industry trends, with AI-driven financial solutions projected to reach $32 billion in Q1 2025, reflecting a 65% year-over-year increase 3.Ant’s Agentar platform enters a mature market where 98% of CEOs now believe AI offers immediate business benefits. However, implementation remains challenging, with 61% of CFOs still not having deployed AI solutions 4, 5.2️⃣ Financial inclusion emerges as a key driver for AI investmentAnt’s emphasis on inclusion aligns with an industry-wide trend of using AI to expand financial access to previously underserved populations.Companies like Lendbuzz are pioneering AI-powered risk analysis specifically designed to provide credit to the “credit invisible”—customers who lack traditional credit histories but may still be creditworthy 6.This approach addresses a significant market opportunity while serving a social purpose, creating financial products for people who were previously excluded from formal financial systems.The expansion of ZOLOZ’s e-KYC solutions to serve over 100 million users across Southeast and South Asia demonstrates how AI-powered identification systems can overcome significant barriers to financial inclusion in developing markets [original article].AI’s impact extends beyond credit to financial advice, with intelligent advisory services becoming accessible to middle-class clients at significantly reduced costs compared to traditional human advisors 3.This trend represents a fundamental shift in financial services accessibility, using technology to address the traditional trade-off between personalization and affordability that previously limited access to quality financial services
French fintech Spendesk, a platform for spend management and procurement, has partnered with AI infrastructure startup Dust to roll out tailored, secure AI assistants across its organisation. The initiative aims to unify internal AI usage, enhance productivity, and maintain strong compliance with European and UK data regulations.Enterprises are increasingly turning to automation tools to remain competitive. Dust specialises in enterprise-ready AI agents built on top of secure integrations with workplace tools such as Slack, Notion, and Intercom.Spendesk, which counts SoundCloud, Gousto, and SumUp among its customers, had already embraced AI in various internal functions, from sales and customer support to accounting automation. But when it sought to scale AI usage across departments, it found itself grappling with fragmented adoption. Different teams were experimenting with disconnected tools, leading to data security concerns and inconsistent usage patterns.“It’s impossible to use Spendesk without interacting with AI. We’ve implemented no fewer than 15 AI-powered features since 2017, predicting and pre-filling more than 2 million accounting fields each month,” said Rodolphe Ardant, Founder of Spendesk.“As UK businesses continue to navigate an evolving regulatory and economic landscape, secure AI adoption has never been more crucial
Spendesk, the leading spend management and procurement platform for mid-market companies, today announces its partnership with Wise Platform, Wise’s global payments infrastructure for banks and enterprises, to provide international payments.This strategic partnership introduces international payments capabilities to Spendesk’s platform, allowing customers based in the European Economic Area and the United Kingdom to make cross-border transactions quickly, securely and at low-cost in 30 currencies, supporting invoice payments and expense reimbursements. Starting today, customers can sign up to the waiting list with the feature expected to go live within the next few weeks.This also builds upon Spendesk’s recent announcements of the launch of Spendesk Financial Services, Spendesk’s regulated payment institution, and its pioneering Procure-to-Pay solution. This partnership marks yet another milestone as Spendesk continues to pioneer the landscape of modern spend management, this time addressing one of the most challenging aspects of managing cross-border payments.With this new international payments feature, Spendesk customers can now easily manage complex, multi-entity financial and cross-border operations through a single and unified dashboard. By combining spend management with fast, low-cost and transparent international payments in one cohesive solution, Spendesk eliminates inefficiencies and slow processing times that typically plague cross-border transactions, while providing real-time tracking of every payment directly from the dashboard.Key advantages of the new capabilities include:Global payment reach: Customers can send invoices and expenses in 30 currencies using the mid-market exchange rate 1 .Instant payments: Leveraging Wise’s global payment infrastructure for quicker international transfers. Over 60% of Wise’s transfers are settled instantly 2 (in 20 seconds or less) and 95% are completed in under one day.Complete payment visibility: Real-time tracking of all international payments directly from the Spendesk dashboard, providing finance teams with full control and transparency.Multi-entity management: Seamless handling of complex corporate structures with centralised international payment management across different business entities.“This partnership with Wise Platform allows us to offer a comprehensive end-to-end payment solution for businesses operating worldwide,” said Stéphane Dehaies, CEO of Spendesk Financial Services. “Beyond gaining the ability to manage complex multi-entity operations with complete visibility over international payments, our clients now benefit from accelerated fund receipts and significant cost savings on their transactions, reinforcing our commitment to innovation.”Manuel Sandhofer, General Manager, EMEA at Wise Platform, commented: “We’re excited to partner with Spendesk to power a fast, seamless and unified international payments experience for their customers through Wise Platform
Card-issuing platform Marqeta has become the issuer processor for Spendesk Financial Services (SFS) in Europe. “Expense management and procurement solutions are vital for medium-sized businesses looking to increase financial control, achieve consistent growth, and improve cash flow,” Stephane Dehaies, CEO of Spendesk Financial Services, said in a Monday (March 10) news release. “Marqeta’s open API platform is the perfect fit for our business, and will support us as we continue to lead the industry with innovative, end-to-end spend management solutions, providing businesses with greater visibility and control, even as they scale.”