AML Process Owner

Purpose of Role To strengthen T212's financial crime control framework by providing independent second-line oversight of AML and CTF controls, investigations, and reporting - while acting as the Czech Branch's designated Contact Person for the FAU and primary owner of the Branch's System of Internal Principles (SVZ). What you'll do * Provide independent second-line oversight of AML controls, alerts, and investigations conducted by the First Line of Defence * Conduct QA reviews of KYC, CDD, and EDD files to ensure adherence to internal policies and regulatory standards * Review suspicious activity escalations and support the drafting of Suspicious Activity Reports (SARs/STRs) * Act as the Czech Branch's designated Contact Person for the Financial Analytical Office (FAU) * Own and maintain the Branch's System of Internal Principles (SVZ) and ML/TF risk assessment * Develop and deliver AML/CTF training to Branch staff * Serve as the primary liaison for CNB and FAU on supervisory matters and on-site inspections * Drive continuous improvement of AML policies, procedures, and control frameworks What you need to have * Educational background in Finance, Economics, Law, or a related field * Proven experience in AML, financial crime compliance, or a related function * Strong knowledge of the Czech AML Act, CNB requirements, and financial crime typologies * Native or fluent Czech and professional English - both are essential for SVZ authorship, FAU communications, and HQ alignment * Excellent written communication skills, particularly for regulatory documentation and reporting * Strong analytical thinking, attention to detail, and the ability to manage multiple priorities * Ability to work both independently and collaboratively, with confidence to escalate where needed * A drive for excellence and a continuous improvement mindset Nice to have * Experience in an investment firm or capital markets environment (MiFID II / Czech ZPKT) What We Offer * A unique opportunity to be part of the team building our presence in the Czech Republic from the ground up * Challenging work with high impact on our international growth * Collaboration with a team of smart, driven, and supportive high-performers * A flexible, idea-friendly culture that values ownership and initiative * Competitive remuneration package Are you ready to accelerate your career with us? We'd love to hear from you! We process applicant data confidentially and in accordance with applicable data protection laws. We may use AI-powered tools to help review applications, but all hiring decisions are made by our human recruitment team. Where required by law, we rely on your consent to use these tools. You may withdraw this consent or exercise your data protection rights at any time by contacting us.

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 Agent - Italian Market and be part of the frontline protecting Qonto's Italian customers from financial crime. You'll investigate fraud alerts and coordinate with multiple teams to stop threats before they escalate, working alongside Andrea Camoletto, our Fraud Team Lead Italy. ➡️ What you'll do Detect and investigate fraud cases: Analyze fraud alerts, review account behavior, and examine ID documentation to identify suspicious patterns before they cause damage. Handle transfer treatment: Review and action flagged transactions, applying sharp judgment on every case to protect customers without slowing them down. Be the fraud point of contact across teams: Respond to requests from other Operations teams to help them navigate complex fraud cases in real time. Manage external bank relationships: Communicate with partner banks and, when required, liaise directly with the Italian authorities. Escalate with precision: Identify cases that require Anti-Financial Crime expertise and hand them off with clear, well-documented context. ➡️ What we're looking for Italian fluency: You'll communicate externally with partner banks and police authorities in Italian, fluency in writing and speaking is a hard requirement (at least C1 level). English fluency : Internal communication at Qonto is done in English (at least C1 level is expected). You've worked in fraud or KYC: Whether at a fintech or a traditional bank, you've spent at least 6 months investigating suspicious activity and know what good analysis looks like. You are proactive and share what you know: You flag problems early and proactively share best practices with your team. You bring AI into your workflow: You're curious about AI tools and actively look for ways to use them to work faster and smarter. ➡️ What we can offer you Real ownership from day one: With a tight-knit team of 4, your investigations directly protect Italian businesses using Qonto, your impact is visible and immediate. Room to specialize: The team is young and growing, you'll have real opportunities to develop deep expertise. A growth path to senior: Strong performance in a small team leads to clear progression. ➡️ Your future manager You'll report to Andrea Camoletto, Fraud Team Lead Italy at Qonto. Andrea joined Qonto 5 years ago as a Customer Success Specialist and built their expertise from the ground up, moving through AML Compliance and Senior Fraud Analyst before stepping into the team lead role. He's known for delivering hands-on mentorship and structured feedback, and they'll give you real room to grow. Don't tick every box? Apply anyway!