Join us as an AFC Officer (FR) to protect Qonto and its customers by detecting and reporting suspicious activities. You'll join our Anti-Financial Crime team and draft investigations and reports for Tracfin, France's Financial Intelligence Unit. You will report to Garance, our Lead AFC (FR).

➡️ What you'll do

Draft investigations and SARs: Produce high-quality Enhanced Investigations and Suspicious Activity Reports for Tracfin — AML, tax fraud, scams, and fraud cases.
Handle escalated alerts: Process alerts from our LoD1 teams with precision, detecting potential money laundering or fraud attempts across a high volume of cases.
Maintain quality and deadlines: Ensure every investigation and report meets strict internal quality standards and regulatory timelines — no trade-off between speed and rigor.
Improve detection processes: Contribute to side projects that sharpen our detection tools and operational workflows. Identify emerging trends and share findings with the team.

➡️ What we're looking for

French writing excellence: Fluent French (C2 minimum) with impeccable spelling, grammar, and syntax — you'll draft official reports for Tracfin. Professional English (C1 minimum) as well.
Relevant academic background: Master's degree in Law (Business Law, Criminal Law, Compliance) or a related field. A Master's in Finance is also valued.
AFC or Compliance exposure: First experience in AFC, Compliance, or Fraud — or a strong demonstrated interest backed by coursework, internships, or personal projects.
Analytical rigor: You can synthesize complex information into clear, concise reports. Detail matters — you catch what others miss.
Genuine interest in financial crime: You're curious about how scams work, how money laundering schemes are structured, and you want to deepen that expertise.

➡️ What we can offer you

Real casework, real variety: AML, tax fraud, scams, general fraud — you won't specialize too early. You'll build a strong generalist AFC skillset while developing depth in scam detection.
High volume, high standards: We handle a lot of cases and we don't compromise on quality. You'll learn to work fast and get it right — a skill set that compounds over time.
Hands-on management: Weekly team meetings, regular 1-on-1s, and a team that values peer support. You won't be left alone with a case you can't crack.
Internal tools and direct Tracfin exposure: You'll work with Qonto's proprietary back-office tools and gain direct experience with French regulatory reporting.

➡️ Your future manager

Your manager will be Garance, our Lead AFC (FR).

Her path? Master's degree in Criminal Law and Criminal Sciences. Joined Qonto in 2023 and rose rapidly from Junior Officer to Senior Officer to Lead Anti-Financial Crime. She knows the role you're stepping into — she's done it herself.
What does she bring to the team? A hands-on leadership style built on transparency and autonomy. She's committed to her team's development and progression, and looks for people who balance eagerness to learn with the discipline to get quality right at 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.

By applying, you agree that Qonto processes your personal data to assess your application. Your data is kept for up to 2 years in our candidate pool. Read our Privacy Notice for full details.

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On average, our hiring process lasts 20 working days. More information on our candidate journey here

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🔒 Your security matters to us

Recruitment scams are on the rise. Keep in mind, we will never work with third-party platforms or agencies that request payment from candidates.

If you receive a suspicious message claiming to be from Qonto, please report it right away (support@qonto.com)