Anti-Financial Crime Analyst

Our mission? Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe's leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance.
Our journey: Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 600,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the LinkedIn Top Companies French ranking
Our values: Customer focus | Prioritize customers in everything you do Ownership | Own your part, get things done Teamwork | Make (team)work easy Mastery | Continuously raise the bar Integrity | Always do what's right, and respect people
Our beliefs: At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 55% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.
Discover the steps we took to create a discrimination-free hiring process.
Join us as an AML/Financial Crime Analyst to secure Qonto's operations by leading high-complexity investigations and ensuring rigorous compliance with Italian regulations. You will work directly with Michele, our Financial Crime Lead, to enhance our operational depth and ensure we meet the highest regulatory standards while enabling Qonto's growth.
As an AML/Financial Crime Analyst at Qonto, you will

• Conduct high-quality Enhanced Investigations (EIs): You will autonomously handle 3-4 complex investigations per day, determining Source of Funds and identifying money laundering typologies.
• Manage daily escalations: You will be a key decision-maker in triaging daily AML alerts, applying a risk-based approach to prioritize high-risk cases effectively.
• Ensure Regulatory Compliance: You will draft Suspicious Transaction Reports (SOS) and support the team in preparing responses to regulatory bodies (e.g., Bank of Italy/UIF).
• Drive Process Improvement: You will own transversal tasks, such as identifying gaps in current workflows and designing new, efficient internal procedures.
• Mentor and Coach: Serving as a trusted reference within the team, you will support junior analysts and facilitate knowledge transfer on complex cases.
What you can expect

• Market/Team Context: You will join a hybrid team based in Milan, collaborating closely with analysts in Barcelona and a sister team led by Sarah.
• Methodologies: We operate with high expectations on quality and traceability. You will work in an agile environment where accuracy and speed go hand in hand.
• Impact: You will play a critical role in strengthening our team's structure, handling sensitive investigations with autonomy, and directly influencing our regulatory standing.
• Career Evolution: This role offers a clear path toward becoming a Subject Matter Expert (SME) or Team Lead.
About your future manager 
You will report to Michele Guerrera, Michele joined Qonto in 2021 and has built an impressive career path internally, growing from an AML/CFT Analyst to the Lead of the Anti-Financial Crime Unit. Before Qonto, he honed his expertise for over three years at PayPal in Dublin, focusing on fraud and risk analysis. He also holds an International Diploma in Anti Money Laundering from the University of Manchester.
About You

• Experience: You have solid experience in AML / Financial Crime (Level 3 equivalent), ideally gained in a Fintech or a bank with a strong compliance program.
• Investigation Skills: You demonstrate advanced financial investigation capabilities, with a track record of handling complex cases and identifying intricate money laundering patterns.
• Regulatory Expertise: You have a deep understanding of Italian AML regulations and experience interacting with the UIF or Bank of Italy.
• Mindset: You possess strong risk-based decision-making skills and can navigate ambiguity in borderline cases.
• Languages: You are fluent in English and Italian.
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. Perks
A tailor-made and dynamic career track. An inclusive work environment. And so much more to help you succeed.
- Offices in Paris, Berlin, Milan, Barcelona, and Belgrade; - Competitive salary package; - Meal vouchers; - Public transportation reimbursement (part or global); - A great health insurance (depending on the country); - Employee well-being initiatives: access to Moka Care to take care of your mental health and great offers for sports and wellness activities; - A progressive disability and parenthood policy (1 in 6 of Qonto employees is a parent) and childcare benefits with selected partners; - Monthly team events.

Our hiring process:
- Interviews with your Talent Acquisition Manager and future managers - A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like
Find more information about our interview process on our careers website. On average, our process lasts 20 working days and offers usually follow within 48 hours 

To learn more about us: Qonto's Blog | Forbes Italy I La Repubblica | Il Sole 24 Ore

To know how your personal data will be processed during your application process or to request its deletion, please click here. 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.

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