Anti-Financial Crime Lead 🇩🇪

Join us as Anti-Financial Crime Lead (DE), based in our Belgrade office, to lead our team in identifying and reporting suspicious clients while ensuring Qonto's compliance with German AML/CFT regulations. You will manage a dedicated team of analysts, working closely with Ludmila (Lead Anti-Financial Crime Germany & CDD) to protect our growing client base from financial crime risks and support Qonto's strategic expansion in the German market.   👩‍💻🧑‍💻 As Anti-Financial Crime Lead (Germany) at Qonto, you will:   • 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.   🤔 What you can expect:   • 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.   🤝 About your future manager:   • Her background? Ludmila has 9 years of experience in Money Laundering prevention in the Fintech industry, starting from KYC/KYB-centered roles to being Anti-Financial Crime Lead, reporting directly to the MLRO of the German branch of Olinda. Upon joining Qonto, she contributed to launching its operation in Germany and has built the Anti-Financial Crime processes for the German market from scratch. Stepping into the Global CDD Expert role gave her an overview of KYC/KYB processes in all our markets.   • What does she bring to the team? Ludmila brings a wealth of experience in Anti-Financial crime analysis and regulatory compliance. Her leadership style fosters collaboration, continuous learning, and professional growth.   🏅 About You   • 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.   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.