Anti-Financial Crime Officer - Belgium 🇧🇪

Job Description:

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.
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Join our Anti-Financial Crime team as an Anti-Financial Crime Officer (Belgium) to build, run and continuously improve Qonto's financial crime framework for the Belgian market. You will report to Florence, our Anti-Financial Crime Director (Western Europe) and play a key role in Qonto's Belgian expansion by ensuring we meet local AML/CFT requirements, manage Suspicious Activity Reports, and maintain trusted relationships with Belgian authorities. Your work will directly support Qonto's ability to onboard and serve Belgian clients safely, compliantly and at scale.
➡️ What you'll do
* Continue the implementation of Belgian AFC processes: manage and continuously improve financial crime processes for the Belgian market, ensuring compliance with local regulations and alignment with Qonto's roadmap.
* Represent Qonto with local authorities: Engage with the Belgian Financial Intelligence Unit (FIU) and relevant regulatory authorities as a key point of contact for financial crime matters.
* Own SAR management: File and manage Suspicious Activity Reports (SARs) with Belgian authorities, ensuring every report is accurate, timely and aligned with local regulatory expectations.
* Build local policies and procedures: Draft, adapt and implement financial crime policies and procedures tailored to Belgian market requirements.
* Monitor operational performance: Track AFC KPIs, identify delays or backlogs, and drive improvements that make processes more efficient, reliable and scalable.
* Take on local representation responsibilities: Serve as Deputy Managing Director of Qonto's Belgian branch, representing the entity with Supervisory authorities, approving risky-client onboarding, and reporting into the relevant Risk Committee, Board and Country MBR in line with Qonto's policies.
➡️ What we're looking for
* Strong AFC / compliance experience: You have extensive experience in financial crime prevention, AML/CFT processes or regulatory compliance, ideally in a fintech, banking or broader financial services environment.
* Autonomous operator: You are comfortable owning a market-critical scope independently, making sound decisions and navigating ambiguity in a regulated environment.
* Analytical mindset: You can understand complex regulatory requirements, assess risk, and translate them into clear operational decisions and processes.
* Stakeholder management: You build trusted relationships with internal and external stakeholders, including AFC, MLROs, Sanctions, Risk & Compliance, Product, Tech and regulatory bodies.
* Hands-on and proactive approach: You are energetic, pragmatic and able to take initiative in a market-building context where processes are still evolving.
* Languages: You communicate clearly and professionally in English and French. Flemish or Dutch at C2 level is a strong plus for local Belgian interactions.
➡️ What we can offer you
* Direct regulatory impact: Your work will shape how Qonto operates in Belgium and ensure we meet local financial crime obligations with the right level of quality and accountability.
* A market-building opportunity: Belgium is a growing market for Qonto. You will join at an important stage and help build scalable AFC processes from the ground up.
* Cross-functional exposure: You will work closely with AFC, MLROs, Sanctions, Risk & Compliance, Product and Tech, giving you broad visibility across Qonto's operating model.
* A high-autonomy role: You will be trusted to own decisions, drive improvements and represent Qonto on sensitive regulatory topics.
* Support from experienced teams: While you will be dedicated to the Belgian market, you will have access to central expertise and support from AFC and compliance teams across Qonto.
➡️ Your future manager
Your manager will be Florence Cervoni, our Anti-Financial Crime Director Western Europe.
* Her path? Florence is a certified AML specialist with strong experience in financial crime, AML/CFT and sanctions. Before Qonto, she led BoursoBank's Financial Crime framework and held several senior compliance roles at Société Générale & Crédit du Nord.
* What does she bring to the team? Florence brings hands-on AFC expertise, strong process-improvement skills and solid leadership in regulated environments. She will provide clear priorities and technical guidance while trusting the person to own the Belgian scope autonomously.

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.

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

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