Anti-Financial Crime Analyst - German Speaker

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.

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.

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Mission

Join us as a Anti-Financial Crime Analyst (DE), based in our Belgrade office, to swiftly identify and report suspicious clients, ensuring Qonto's compliance with German AML/CFT regulations. You will play a vital role in our Anti-Financial Crime team, working closely with Ludmila (Lead Anti-Financial Crime Germany & CDD) to protect our growing client base from financial crime risks while supporting Qonto's expansion in the German market.

As a Financial Crime Analyst (Germany) at Qonto, you will:

• Investigate & Report: Perform enhanced investigations on suspicious client activities and issue Suspicious Transaction Reports (STR) when necessary;
• Ensure Reporting Quality: Detect and describe patterns on the investigated accounts to ensure the quality of regulatory reports;
• Manage Team Escalations: Investigate escalation from the transaction monitoring team;
• Collaborate: Collaborate with your team to meet overall compliance goals and maintain regulatory standards.

What you can expect:

• Dynamic Growth Environment: Work in a fast-paced and scaling fintech environment;
• Team Context: You are part of a strategic team that values quality and depth of analysis;
• Methodology: We value logical thinking and "investigative curiosity" to understand the why behind a transaction;
• Collaborative Culture: Join a great team balancing strong teamwork with individual ownership in a high-trust environment.

About your future manager:

• 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. Upon joining Qonto, she contributed to launching its operation in Germany and has built the 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 financial crime analysis and regulatory compliance. Her leadership style fosters collaboration, continuous learning, and professional growth.

About You

• Experience: You have first experience in AML, Financial Crime, or Compliance, preferably within a Fintech or a banking industry;
• Analytical Skills: You have a logical mind capable of analyzing complex datasets to identify errors in data and conduct thorough investigation;
• Quality Focus: You have experience delivering a high standard of quality and can manage multiple cases efficiently;
• Teamwork: You thrive in a collaborative environment and can work effectively with a multicultural team to address high workloads and ensure compliance;
• Language : You have native or C1 proficiency in German and are fluent in English.

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.

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On average, our hiring process lasts 20 working days. More information on our candidate journey here

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Your security matters to us

Recruitment scams are on the rise. Keep in mind, we 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 right away ([email protected])

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.