Head of Sanctions

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 a Head of Sanctions, based in Paris, to build and lead Qonto’s sanctions framework across all our markets. You will report to Florence, our Anti-Financial Crime Director (Western Europe), and play a key role in Qonto’s transition towards becoming a Credit Institution by ensuring we meet the right regulatory standards on sanctions, PEP and adverse media screening. Your work will directly support Qonto’s ability to grow safely, compliantly and at scale across Europe, while building the foundations of a new central sanctions function. ➡️ What you'll do Build Qonto’s sanctions framework: define, document and continuously improve sanctions policies, standards, governance and operational processes across all Qonto markets. Lead sanctions oversight and controls: create the right control and quality assurance mechanisms to challenge investigation decisions, monitor risk, and ensure Qonto maintains a strong compliance posture. Optimise screening operations: improve how Qonto uses screening tools and data to manage alert volumes, reduce false positives, strengthen matching quality and maintain efficient, accurate screening. Partner with internal teams: work closely with MLROs, Banking Operations, AML, Fraud, Product and Tech teams to embed sanctions requirements into products, payment flows and operational processes. Represent Qonto externally: conduct regulatory watch and maintain trusted relationships with external authorities such as ACPR, DGT and equivalent regulators across Qonto markets, as well as with industry peers and banking partners. Lead and grow the team: manage the sanctions team, including the production team lead and expert profiles, while staying close to day-to-day alert treatment to understand operational reality and continuously raise the bar. ➡️ What we're looking for Deep sanctions expertise: you have strong experience in sanctions, embargoes, and broader AFC / compliance topics, ideally gained in a large bank or international financial institution. Multi-country regulatory experience: you understand how sanctions requirements vary across European markets and can translate complex regulatory expectations into clear policies, controls and operational processes. Strong payment ecosystem knowledge: you understand payment schemes and flows, and can assess how sanctions requirements apply to them. Screening and tooling expertise: you have experience with screening tools and methodologies, such as matching logic, false-positive reduction, data-quality improvements and vendor management. Knowledge of tools such as FircoSoft / FICO, World-Check One, ComplyAdvantage or Neterium is a strong plus. Hands-on leadership: you are able to lead at a senior level