Financial Crime Officer (New Markets - Portugal) Portuguese speaker 🇵🇹

Our mission? Making day-to-day banking easier for SMEs and freelancers thanks to an online business account that's combined with invoicing, bookkeeping and spend management tools. Thanks to its innovative product, highly reactive 24/7 customer support and clear pricing, Qonto has become the leader in its market.

Our journey: Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 500,000 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 50% 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 Lead Financial Crime Officer (PT) to build and implement robust financial crime processes in this key expansion market. You will play a crucial role in Qonto's growth strategy, working closely with Alberto, our Head of Financial Crime (Italy), to establish regulatory compliance frameworks as we begin onboarding clients in the Portugal.

👩‍💻🧑‍💻 As a Lead Financial Crime Officer (PT) at Qonto, you will:

• Process Implementation: Establish and manage financial crime processes for the Portuguese market, ensuring compliance with local regulations and implementing the roadmap.

• Regulatory Communication: Engage with the Portuguese Financial Intelligence Unit (Unidade de Informação Financeira - UIF) and regulatory authorities, representing Qonto as the primary point of contact for financial crime matters.

• SAR Management: File and manage Suspicious Activity Reports (SARs) with Dutch authorities, ensuring timely and accurate reporting.

• Policy Creation: Draft and implement financial crime policies and procedures tailored to Portuguese market requirements.

• KPI Optimization: Monitor and optimize key performance indicators (KPIs) related to financial crime processes, ensuring no delays or backlogs while continuously improving operational efficiency.

🤔 What you can expect:

• Team structure: You'll be part of Qonto's Central European financial crime team, with access to resources from different teams to support your operational tasks

• Collaborative environment: While working independently in the Portuguese market, you'll have support from central resources in France and Germany, with guidance from experienced team members

• Growth opportunity: As one of the first financial crime specialists in Portugal, you'll have the chance to build processes from the ground up and grow with Qonto's expansion

• Impactful work: Your role will be critical in enabling Qonto to onboard clients in Portugal, directly contributing to the company's growth strategy.

🤝 About your future manager:

Your manager will be Alberto Anzolin, our Head of Financial Crime (Italy).

• His path? Alberto brings over 12 years of extensive experience in anti-financial crime and regulatory compliance. Before joining Qonto in January 2025, he served as AML & Compliance Officer and MLRO Italy at N26, where he also held the position of Manager for AFC Advisory, Intelligence and Standards. His professional journey includes valuable experience at leading consulting firms including Deloitte, KPMG, and PwC, where he developed deep expertise in financial services compliance.

• What he can bring to the team? Alberto brings deep expertise in AML and CFT governance, processes, and remediations. He excels in banking regulatory compliance with strong organizational, problem-solving, and team-building skills. His experience managing relationships with Supervisory Authorities is particularly valuable for Qonto's operations in Italy. Working with Alberto, you'll benefit from his technical knowledge and his ability to navigate complex regulatory requirements while supporting your professional development.

🏅 About You:

• Experience: You have extensive experience in financial crime prevention, AML/CFT processes, or regulatory compliance, preferably in a fintech or financial services environment

• Language skills: You have native-level proficiency in Portuguese and excellent English communication skills, enabling you to effectively engage with regulators and draft professional documentation

• Analytical mindset: You possess strong analytical and logical thinking skills with the ability to make independent decisions and understand complex regulatory requirements

• Proactive approach: You're hands-on, energetic, and autonomous, with the ability to take initiative and adapt to the challenges of building processes in a new market

• Communication skills: You have excellent stakeholder management abilities, both internally and externally, with experience in professional interactions with Portuguese regulatory bodies.

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.

- The possibility to work remotely from Portugal;

- Competitive salary package;

- A great health insurance (with Safety Wings);

- A budget for remote work (50 euros per month);

- A laptop and IT equipment;

- Employee well-being initiatives: access to Moka Care to take care of your mental health and great offers for sports and wellness activities;

- Monthly team events.

💬 Our hiring process:

- Interviews with your Talent Acquisition Manager and future managers

- A remote exercise to demonstrate your skills and give you a taste of what working at Qonto could be like

We will send you an interview guide so you can best prepare yourself.

On average our process lasts 20 working days and offers usually follow within 48 hours 🤞

To learn more about us:

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