Anti-Financial Crime Lead

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 Linked In Top Companies French ranking!

Our values:

• 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 Lead (DE), based in our Belgrade office, to lead our team in identifying and reporting suspicious clients while ensuring Qonto's compliance with German AML/CFT regulations. You will manage a dedicated team of analysts, working closely with Ludmila (Lead Anti‑Financial Crime Germany & CDD) to protect our growing client base from financial crime risks and support Qonto's strategic expansion in the German market.

As Anti‑Financial Crime Lead (Germany) at Qonto, you will:

• Lead & Develop Your Team: Manage and mentor a team of 6 financial crime analysts, providing guidance, support, and fostering their professional growth;
• Oversee Investigations & Reporting: Validate and review enhanced investigations on suspicious client activities and ensure high‑quality Suspicious Transaction Reports (STR) are submitted to German authorities;
• Quality Assurance: Conduct regular quality controls on case analysis and declarations to maintain the highest standards of regulatory reporting;
• Knowledge Management: Develop and maintain comprehensive documentation on financial crime patterns, including money laundering, sanctions evasion, and tax fraud specific to the German market;
• Process Improvement: Drive continuous improvement initiatives using methodologies like Kaizen and PDCA to optimise team efficiency and effectiveness;
• Cross‑Team
  
  Collaboration:
  
  Partner with AML, Fraud, and local MLROs across multiple markets to ensure alignment and knowledge sharing;
• Risk Escalation Management: Oversee the investigation of escalations from the transaction monitoring team and ensure timely resolution.

• Leadership Opportunity: Build and lead a high‑performing team in a critical function for Qonto's German market expansion;
• Dynamic Growth Environment: Work in a fast‑paced, scaling fintech environment with significant strategic impact;
• Team Context: Lead a strategic team that values quality, depth of analysis, and continuous learning;
• Collaborative Culture: Join a supportive environment that encourages innovation, with great managers who value curiosity and development;
• Methodology: Work with advanced tools and processes unique to Qonto, leveraging continuous improvement frameworks;
• Career Growth: Opportunity to shape the German AFC function and potentially expand your scope as Qonto grows.

• Her background? Ludmila has 9 years of experience in money‑laundering prevention in the fintech industry, starting from KYC/KYB‑centered roles to being Anti‑Financial Crime Lead, reporting directly to the MLRO of the German branch of Olinda. Upon joining Qonto, she contributed to launching its operation in Germany and has built the Anti‑Financial Crime processes for the German market from scratch. Stepping into the Global CDD Expert role gave her an overview of KYC/KYB processes in all our markets.
• What does she bring to the team? Ludmila brings a wealth of experience in Anti‑Financial crime…