Anti-Financial Crime Lead

Role Overview

• 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 optimize 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.

Requirements

• Experience: You have at least 3-4 years of experience in AML, Anti-Financial Crime, or Compliance, preferably within a Fintech or banking industry, with at least 1-2 years in a leadership or senior role;
• Management Skills: You have proven experience managing, mentoring, and developing team members, with the ability to drive performance while maintaining morale;
• Analytical Excellence: You have a logical mind capable of analyzing complex datasets, identifying patterns, and conducting thorough investigations of sophisticated financial crime schemes;
• Quality Focus: You have demonstrated ability to deliver and validate high standards of quality across multiple cases and team members;
• Regulatory Knowledge: You have deep understanding of AML/CFT regulations, suspicious transaction reporting requirements, and experience working with financial intelligence units;
• Process Orientation: You can design, implement, and optimize processes while maintaining compliance and efficiency;
• Leadership & Collaboration: You thrive in leading teams within a collaborative environment and can work effectively across multicultural teams to address complex compliance challenges;
• Language: You have native or C1 proficiency in German and are fluent in English.

Benefits

• 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.