Anti-Financial Crime Analyst - German Speaker 🇩🇪

About the Position

Anti-Financial Crime Analyst - German Speaker 🇩🇪

Join Qonto as an Anti-Financial Crime Analyst in Belgrade, Serbia. Investigate suspicious activities and ensure compliance with German AML/CFT regulations.

Location

Belgrade, Serbia

Employment Type

Full time

Location Type

Hybrid

Department

Finance, Legal, Risk & Compliance, People & Strat

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 4.7 on Trustpilot, based on 60,000 reviews. Our culture puts customer satisfaction at the core of what we do (more about our culture here*).*

Our Journey

Founded in 2016 and launched in 2017 by Alexandre and Steve, Qonto has grown to 1,700 Qontoers serving over 750,000 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.

Responsibilities

• Investigate and report: Perform enhanced investigations on suspicious client activities and issue Suspicious Transaction Reports (STR) to the German FIU when necessary.
• Ensure reporting quality: Detect and describe patterns on investigated accounts to ensure regulatory reports meet the highest standards.
• Handle team escalations: Investigate cases escalated by the transaction monitoring team, assess risk, and recommend next steps.
• Strengthen the AFC framework: Contribute to improving investigation processes and documentation standards as Qonto's German operations scale.

Requirements

• AML/Financial Crime experience: You have first experience in AML, Financial Crime, or Compliance - ideally in fintech or banking. You've handled real cases, not just studied the theory.
• Analytical rigor: You have a logical mind and can analyze complex datasets, spot errors, and build well-reasoned investigation conclusions.
• Quality and throughput: You deliver high-quality work while managing multiple cases in parallel - you know how to prioritize without cutting corners.
• German proficiency: Fluent German and English is required for this role.

We Offer

• Real investigative work: You'll handle STRs, enhanced due diligence, and escalation reviews - not back-office monitoring. The cases are complex and the stakes are real.
• A market you'll help build: Qonto's German AFC processes were built from scratch. You'll contribute to an operation that's still being shaped, not just maintained.
• Investigative culture: The team values logical thinking and curiosity - understanding the why behind a transaction matters more than ticking a checklist.
• Belgrade office: Join a multicultural team in our Belgrade hub, working on German-market cases with direct exposure to European AML regulation.

Your Future Manager

Your manager will be Ludmila Moroniewicz, our Lead Anti-Financial Crime Germany & CDD.

• Her path? 9 years in Money Laundering prevention in fintech - from KYC/KYB roles to AFC Lead, reporting directly to the MLRO of Qonto's German branch. She contributed to launching Qonto's operations in Germany and built the Financial Crime processes for the German market from scratch. Her Global CDD Expert role gave her an overview of KYC/KYB processes across all Qonto markets.
• What does she bring to the team? A hands-on leadership style that fosters continuous learning and professional growth. She knows the German regulatory landscape inside out and gives her team the autonomy to own their investigations.

Diversity

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.

Hiring Process Duration

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

Data Retention

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.