Fraud Analyst - French Market

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 , based on 55,000+ reviews. Our 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 ).

Our journey:

Founded in 2017 by Alexandre and Steve , 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 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 Fraud Analyst to protect our customers by detecting and preventing various types of fraud. You will be part of our newly created specialized Fraud team, focusing on safeguarding Qonto's French market customers from scams and fraudulent activities.

You will report to Anamaria, our Senior Team Lead Fraud.

• Transaction monitoring:
  Monitor and analyze transactions to detect fraud patterns, focusing on scams, phishing attempts, and account takeover activities
• Risk assessment:
  Conduct risk assessments for new products and features while ensuring robust onboarding fraud prevention with limited need for oversight
• Investigation and prevention:
  Independently investigate complex fraud cases and implement preventive measures across financing and payment products
• Project ownership:
  Own medium-scale projects end-to-end, aligned with team objectives set by your Lead
• Coaching:
  
  Support junior analysts and new joiners on complex cases as needed
• Cross-team collaboration:
  Work with Risk and Security teams to strengthen fraud detection capabilities and align strategies
• Quality and efficiency:
  Deliver high-quality, timely fraud analysis while maintaining customer satisfaction and operational efficiency

• Fraud/AML experience: 3 years experience in fraud detection or AML, with demonstrated ability to independently handle complex cases
• Languages:
  
  Bilingual in English and French:
  Portuguese is a nice to have
• Investigative mindset:
  Strong evidence-based and creative thinking skills to detect patterns and solve complex fraud cases
• Communication skills:
  Confident communicating with customers and counter parties, including in sensitive situations
• Coaching ability:
  Comfortable supporting junior analysts or new joiners on casework when needed
• Learning mindset:
  Open to feedback and motivated to keep sharpening skills and knowledge

• Established, specialized team:
  Join a mature Fraud team with defined levels, documented processes, and real operating rhythms.
• Real ownership:
  Full ownership of your caseload and end-to-end ownership of medium-scale projects.
• Breadth of casework:
  Handle the full range of fraud typologies, from private scams to social engineering fraud and financing-product fraud
• Process ownership:
  Help build fraud detection processes and tools from the ground up as the team scales
• Continuous learning:
  Regular training and knowledge-sharing sessions to keep pace with emerging fraud trends

Your manager will be Anamaria, our Senior Team Lead Fraud. Anamaria has been at Qonto for nearly 7 years, growing from AML-CFT Analyst to leading…