Compliance and Anti Money Laundering Officer — French Branch

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 our Anti-Financial Crime team as an AFC Officer to investigate suspicious transactions and file Suspicious Activity Reports directly with Tracfin, France's financial intelligence unit. You will report to Garance, our Lead Anti-Financial Crime Unit (France). Every report you write reaches French authorities — your work directly shapes Qonto's regulatory standing and protects our users. ➡️ What you'll do Investigate & report: Draft high-quality Enhanced Investigations (EIs) and Suspicious Activity Reports (SARs) for Tracfin, covering AML, tax fraud, and private scams cases. Handle escalated alerts: Take ownership of cases escalated by our first line of defence teams, identifying money laundering patterns and fraud attempts with precision. Own your quality standards: Ensure every investigation meets our internal benchmarks and regulatory deadlines — quality and speed are both non-negotiable here. Improve detection tools: Contribute to team projects that sharpen our detection capabilities, from flagging new fraud typologies to refining operational processes. Share knowledge: Identify emerging fraud trends and feed insights back to the team, building a shared knowledge base that makes everyone sharper. ➡️ What we're looking for Fluent French writer: You write in French at C2 level — flawless spelling, grammar, and syntax are essential because your reports go directly to French authorities. You also operate in English at C1 level for internal communication. Legal or financial background: You hold a Master's in Law (Business Law, Criminal Law, Compliance) or Banking/Finance — the regulatory literacy this role requires. AFC or compliance experience: You have a first experience in Anti-Financial Crime, Compliance, or Fraud — or a strong, demonstrable interest backed by coursework or concrete exposure. Detail-oriented mindset: You synthesize complex transaction patterns into clear, concise written reports under time pressure, without sacrificing accuracy. Genuine interest in fraud: You're specifically curious about private scam mechanisms — you want to understand how they work, not just flag them. ➡️ What we can offer you Direct regulatory impact: Your SARs go to Tracfin. This isn't internal reporting — your work reaches France's financial intelligence unit and carries real compliance weight. Case variety across all AFC typologies: You'll work across AML, tax fraud, and scams cases, building a strong generalist AFC skillset while deepening your expertise in private scams — a fast-growing focus area for the team. A high-volume, high-quality environment: You'll handle a significant caseload using Qonto's proprietary back-office tools and Slack. Maintaining quality at pace is a genuine professional development constraint — not marketing copy. Close team with structured support: You'll join a tight AFC team with weekly group meetings and regular 1:1s with Garance. The team is hands-on and actively invested in each person's progression. A visible career path: Garance progressed from Junior to Senior to Lead within Qonto's AFC team. The trajectory exists and is actively encouraged. ➡️ Your future manager Your manager will be Garance, our Lead Anti-Financial Crime Unit (France). Her path? Garance holds a Master's in Criminal Law and Criminal Sciences, and joined Qonto in 2023. She progressed rapidly through Junior and Senior Officer roles before being promoted to Lead — a track record built on both technical depth and team results. What does she bring to the team? Garance is a hands-on manager who values transparency and gives her team genuine autonomy. She's committed to each person's development and looks for people who are as focused on quality as they are on speed. 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.

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career.    ABOUT THE TEAM Stripe is seeking a highly experienced and strategic Chief Compliance Officer (CCO) to lead our regulatory compliance, financial crimes and enterprise risk officers and program across Asia-Pacific. This role reports to the Global Head of Compliance Officers & MLROs and sits within the Financial Crime, Compliance & Risk Oversight (FinCRO) organization. You will also serve as the formal CCO for Stripe's Singapore-regulated entity. You will be the principal decision-maker and strategic lead on regulatory compliance, financial crime and enterprise risk management for APAC, serving a critical role in ensuring Stripe's continued safe growth in the region. You will be the public face of the compliance team across APAC and a primary point of contact with regulators, financial partners, and internal stakeholders. The ideal candidate will have deep subject matter expertise in regulatory compliance, financial crimes and ERM across APAC markets, and a proven track record building and evolving tech-forward compliance programs in a regulated financial services or payments environment.   KEY RESPONSIBILITIES: Strategic Leadership: Develop and implement a robust and scalable compliance strategy for APAC, aligning with global FinCRO objectives and business goals. Drive a culture of compliance and sound regulatory risk management across the region as Stripe expands its product offerings in existing markets and enters new ones. AML/Financial Crimes Program Oversight: Own and enhance the regional AML, counter-terrorist financing, sanctions, and anti-bribery and corruption (ABC) programs for APAC, working closely with AML Officers in the region. While this role does not carry a BSAO designation, you will provide strategic direction and oversight to the BSAOs and AML Officers operating across APAC jurisdictions, ensuring programs are designed to efficiently and effectively prevent, detect, and report financial crime. Regulatory Management: Serve as the primary point of contact for financial regulators across APAC and an ambassador to the industry in the region. Lead regulatory engagement including license applications, new regulatory consultations, and ongoing supervisory relationships. Engage with regulatory bodies on Stripe's behalf and serve as a thought leader for technology-focused compliance solutions. Partner and Relationship Management: Build and maintain strong, collaborative relationships with key financial partners, including banks, payment networks, and other third-party providers. Serve as the senior compliance point of contact for partner inquiries, audits, and ongoing operational alignment across the region. Advisory and Consultation: Ensure Stripe's global regulatory compliance, financial crimes and ERM frameworks, policies, and controls (e.g., KYC, transaction monitoring, regulatory reporting, risk assessment, training, testing) are fit for purpose for local requirements across APAC. Monitor product launches and business model changes to ensure regional compliance programs reflect new developments, including timely regulatory notifications. Provide expert guidance to business stakeholders on market expansion, product development, and operational changes to ensure compliance by design. Governance and Reporting: Oversee drafting and implementation of local policies, procedures, and internal controls to ensure licensing commitments and legal conditions are met. Manage production of regulatory compliance performance reports for APAC management and Boards. Oversee timely preparation and submission of regulatory filings and reports. Audit and Issue Management: Lead responses to audits and regulatory assessments. Own remediation of findings and develop corrective action plans in partnership with relevant business owners. Team Management: Lead, mentor, and inspire a high-performing team of compliance and financial crimes professionals across APAC. Hire and develop compliance talent in APAC markets. Foster a culture of compliance, collaboration, and continuous improvement across a geographically distributed team.   QUALIFICATIONS: Experience: 12+ years of experience in compliance and financial crime, with significant focus on financial services, fintech, or payments, including direct experience in a senior compliance role in APAC. Leadership: Extensive people management experience, including leading geographically dispersed teams through organizational and regulatory change. Regulatory Knowledge: Deep and current knowledge of regulatory compliance and AML/financial crime requirements across key APAC markets, with particular expertise in Singapore (MAS) and Australia.  Regulatory Engagement: Demonstrated experience interacting directly with financial regulators in APAC, including managing supervisory relationships, license applications, and regulatory change processes. Communication: Exceptional communication skills, with the ability to articulate complex regulatory concepts to both technical and non-technical audiences, and to represent Stripe externally with credibility and authority. Strategic Mindset: Ability to think strategically and translate complex regulatory requirements into practical, scalable business solutions in a fast-moving environment. Problem-Solving: Strong analytical and problem-solving skills, with a data-driven approach to decision-making and a comfort operating in ambiguity.   NICE TO HAVES: Certifications: CAMS (Certified Anti-Money Laundering Specialist) or other relevant professional certifications are a plus. Experience working in a global, matrixed organization spanning multiple regulatory regimes. Proficiency in an APAC regional language to support local regulatory and stakeholder engagement.   Note: This role has been identified as a Senior Manager of Stripe SG  under the Guidelines on Individual Accountability and Conduct, issued by the Monetary Authority of Singapore. SPSPL must therefore be satisfied on reasonable grounds that the role holder complies with the fitness and probity standards.  Applicants agree to permit SPSPL (or its agents) to conduct due diligence as necessary to satisfy itself on reasonable grounds that you comply with the fitness and probity standards.