KYC/B (Know your Customer/Business) Lead

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 Customer Onboarding Officer to help scale Qonto's Italian market. You'll conduct deep-dive account validations in strict compliance with Bank of Italy guidelines, tackling a significant operational backlog while maintaining high quality standards. You will report to Alessandro Pesapane, Team Lead KYC-B Operations Italy. ➡️ What you'll do Validate customer and company profiles: Conduct thorough manual validations (15-20 per day) to determine account eligibility — analysing structures, beneficial owners, and business models. Review complex KYC/KYB documentation: Verify passports, IDs, company registration documents, and financial statements across the customer lifecycle. Draft detailed analytical reports: Write comprehensive, structured justifications for each acceptance or rejection decision — Bank of Italy guidelines applied meticulously. Support the frontline team: Provide direct operational guidance to our level one (DTO) team on complex cases they cannot resolve. Maintain operational cadence: Process accounts efficiently to clear the backlog while upholding quality standards — speed and rigour, not one at the expense of the other. ➡️ What we're looking for Operational experience in KYC/compliance: 1-2 years in customer care, KYC/KYB, or compliance — ideally in fintech or a fast-paced environment. You've reviewed real documentation, not just studied the theory. Compliance mindset: Strong attention to detail and completely comfortable reviewing complex legal and financial documentation. You follow regulatory guidelines to the letter. Analytical writing: You write detailed, structured analyses to justify your decisions. Clear reasoning on paper is as important as the decision itself. Languages: Fluent written and spoken Italian. Excellent English (Qonto's internal language). Customer awareness: You understand that every validation impacts a real person waiting to open their account. You balance compliance rigour with respect for the customer journey. ➡️ What we can offer you A high-impact role in a scaling market: Italy is growing fast at Qonto. Your work directly impacts compliance rate and customer satisfaction — every account you validate is a business that can start banking with us. Real compliance depth: You'll apply Bank of Italy guidelines daily, review complex corporate structures, and build expertise in KYC/KYB that compounds over time. A close-knit team at a pivotal moment: You're joining the Italian onboarding team as it rebuilds and scales. There's room to evolve toward process improvements once the backlog is cleared. Direct access to decision-makers: You'll work closely with key stakeholders and have visibility on how your operational work feeds into Qonto's Italian market strategy. ➡️ Your future manager Your manager will be Alessandro Pesapane, Team Lead KYC-B Operations Italy. His path? 5+ years at Qonto — Alessandro started as KYC KYB Operations Manager, was promoted to KYC KYB Operations Expert, and became Team Lead in 2026. Before Qonto, he spent 3+ years at Comdata France, progressing from Customer Care Agent to Quality & Training Manager. He studied at the Università degli Studi di Cagliari and brings a background in press communication, education, and customer care. What does he bring to the team? A customer-obsessed, quality-driven approach built from years of frontline experience. Alessandro has done every level of the work he now leads — from processing cases to designing quality standards. He combines operational depth with clear communication to keep execution smooth in a fast-scaling Italian market.

About us: We believe the next generation of financial services will be powered by stablecoins. Founded in 2021, our mission at BVNK is to accelerate global money movement. We’re building stablecoin-native infrastructure so businesses can move value instantly across borders and networks. With global licenses and T1 bank partnerships, we facilitate billions in transactions for enterprise clients like Worldpay, Deel, LianLian Global, and Rapyd. Our technology is transforming how businesses operate globally by eliminating payment delays, reducing costs, and unlocking trapped capital.  We’re a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift. In 2025, we secured strategic investment from Visa, following our $50 million Series B with Haun Ventures, Coinbase Ventures, Scribble Ventures, DRW Venture Capital, Avenir, and Tiger Global. With the backing of these leading investors, we’re accelerating our growth – and we're looking for smart, ambitious people to help us build the future of financial services. We're incredibly honored to have made Newsweek's list of The Top 100 Global Most Loved Workplaces three years running (most recently in 2025) and to have been recognised by LinkedIn as one of the Top 20 Startups in the UK in 2024. About this role in the team: Due to our expanding business, there is an increased demand for a Compliance Onboarding Analyst to join the Team. The role requires a high level of initiative, as well as expertise in a  FinTech environment and cooperation with corporate and individual clients. This role requires high attention to clients needs, self education and  self organization. This role will form part of our global team, and will work closely with Operations, Trading Team, Sales, and Management. Key Areas of Responsibilities: * Manage the onboarding and due diligence process for the Company's Individual (Consumer) clients, ensuring adherence to best practices in KYC, compliance, and risk management. * Oversee the end-to-end Individual (Consumer) customer application process, including the collection, review, and verification of all required documentation. * Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), where required, in line with internal policies and regulatory requirements. * Perform screening and due diligence checks, including Sanctions, Politically Exposed Persons (PEPs), and Adverse Media screening, investigating and resolving any potential matches or alerts. * Conduct PEP risk assessments and make informed recommendations regarding escalations in accordance with internal policies and risk appetite. * Ensure compliance with all applicable laws, regulations, internal policies, and industry best practices throughout the customer onboarding lifecycle. * Make risk-based decisions on customer applications, determining when additional information, further investigation, or escalation is required, and follow through with appropriate actions. * Maintain accurate and complete customer records, ensuring all KYC documentation is up to date and audit-ready. * Identify and suggest improvements to onboarding processes to enhance efficiency, compliance, and customer experience. What we need from you: * Fluent in English, with excellent written and verbal communication skills. * Minimum 2 years' experience in KYC onboarding within the payments, fintech, banking, or foreign exchange (FX) industry. * Familiarity with customer onboarding requirements across multiple jurisdictions, particularly the EU and US. * Strong understanding of KYC, AML, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) requirements for individual customers. * Proven experience conducting customer screening, including Sanctions, Politically Exposed Persons (PEPs), and Adverse Media checks, with the ability to assess results and manage escalations appropriately. * Strong analytical and investigative skills, with the ability to identify potential risks, make sound risk-based decisions, and escalate complex cases where required. * Experience working within a regulated financial services environment and maintaining compliance with internal policies and applicable regulatory requirements. * Hands-on experience using Sumsub or similar CRM/case management tools for customer onboarding and workflow management. * Excellent attention to detail, organisational skills, and the ability to manage multiple onboarding cases simultaneously while maintaining high standards of accuracy and compliance. * Ability to work effectively in a fast-paced, high-growth environment, managing competing priorities and meeting service level agreements (SLAs). Nice to have: * * Experience supporting Know Your Business (KYB) onboarding, including reviewing business documentation, identifying Ultimate Beneficial Owners (UBOs), and understanding corporate ownership structures. What you can expect from us: * Fair and competitive salary at every stage of your growth * Meaningful ownership in the business through our employee option scheme * Flexible working hours, with hybrid working at its heart * A culture built on passionate growth minded people * A flexible approach to holiday * Opportunities to travel to our offices around the world, in locations such as London and Cape Town, to collaborate with your colleagues  * An open and creative environment where you can help us define the future of BVNK, it’s culture, and it’s opportunity sets At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team. Compensation packages are based on candidate experience and relevant certifications. Malta Salary Range €30.000—€40.000 EUR