Jobs at Qonto

Conduct periodic KYC/KYB reviews for German business customers, manage compliance caseloads, collect updated documentation, resolve data gaps, and communicate with customers by email, chat, and phone. Identify process issues, improve workflows, maintain internal knowledge resources, and handle regulatory cases with precision. The role is based in Barcelona and requires native-level German, strong attention to detail, composure under pressure, and an improvement mindset.

Investigate transaction-monitoring alerts and suspicious activity reports, conduct quality controls, identify compliance-process gaps, and manage continuous-improvement projects. Mentor AML colleagues on complex cases involving sanctions, embargoes, terrorism financing, and accounting. Act as a compliance point of contact for internal stakeholders, auditors, and regulators while helping mitigate money-laundering and terrorist-financing risks in the French market.

As a Backend Engineer, you'll design, develop, and maintain applications, co-own services architecture, and mentor other engineers within a cross-functional team.

Lead the Enhanced Due Diligence production team by managing workloads, backlogs, KPIs, case quality, complex investigations, and escalations. Provide second opinions and quality checks, coach team members, improve EDD workflows, reduce customer friction, and coordinate with KYC/KYB, Operations, Anti-Financial Crime, Regulatory, Project, and Security teams. Monitor AI-assisted EDD activity and support continuous process improvement while maintaining strong AML/CFT controls.

Support Growth Operations by configuring API integrations, building data enrichment flows, managing website tracking and tagging for paid acquisition, and using SQL with Python or JavaScript to generate actionable insights. Investigate infrastructure issues, improve data workflows, and collaborate with Engineering on scalable technical solutions while developing skills through a two-year apprenticeship.

Analyze People and HR data to identify trends in turnover, absenteeism, performance, headcount, compensation, and talent. Build and improve dashboards and reports, validate data, document metrics, support GDPR-compliant reporting, and help HRBPs use data effectively. Prepare workforce and talent analyses, communicate findings to non-technical stakeholders, and apply AI to improve analytical workflows while verifying output quality and protecting sensitive information.

Build and maintain a fully Swift-based mobile banking application serving over 600,000 European SMEs. Responsibilities include developing architectural and UI features, collaborating with backend, design, and product teams, solving real-time synchronization challenges, and maintaining code quality through refactoring, unit testing, code reviews, and modular architecture. The role contributes to squad-owned product initiatives using SwiftUI, Clean Architecture, MVP, MVVM, and modern CI/CD practices.

Build and manage an outbound pipeline of French accounting firms, own the full sales cycle from prospecting through closing, and establish firms as referral partners recommending Qonto to their clients. Use AI tools to personalize outreach, prepare calls, accelerate qualification, and improve follow-up. The role requires fluent French and English, persistence with quiet accounts, and at least one year of outbound sales experience with full-cycle deal ownership.

Lead a cross-functional team of backend and frontend engineers building Qonto’s accounting product. Manage and develop engineers, shape the product roadmap with Product and Design, guide technical architecture, maintain high engineering standards, and remain involved in coding. The team will automate bookkeeping, provide real-time VAT information, simplify accounting workflows, and create AI-powered experiences using customers’ accounting data.

Investigate suspicious client activity, prepare Suspicious Transaction Reports for the German FIU, assess escalated cases, identify account patterns, and improve anti-financial-crime investigation processes and documentation for German operations.

Review and validate enhanced investigations and suspicious activity reports for Tracfin, conduct quality controls, handle complex authority requests, improve AML and fraud detection procedures, and propose risk scenarios. The role also leads financial-crime improvement projects, coaches junior colleagues, and provides methodology feedback to AML and Fraud teams. Fluent French and English, strong regulatory writing, and 2–3 years of second-line anti-financial-crime experience are required.

Own and deliver end-to-end Android features in a large Kotlin codebase: drive technical design, improve reliability and architecture, tackle real-time sync and resilience, mentor peers, and collaborate with Product, Design, Backend and Frontend.

Build and ship user-facing AI agent features for Android within Qonto’s regulated banking app. Own the Android experience end to end, designing clean, testable, performant Kotlin code and delivering features from scoping through release. Collaborate with Product, iOS, Backend, and Frontend teams to bring web capabilities to mobile, while using AI coding tools extensively and helping establish scalable foundations for other teams’ AI agents.

Lead a team of seven Partner Success Managers and own the growth, revenue, referrals, KYBs, and retention generated through Qonto’s chartered accountant partner network. Develop channel strategy with the Business Unit Director, create scalable partner engagement playbooks, support executive partner meetings, and collaborate with Sales, Marketing, Operations, Growth, and Product. Use AI and partner data to improve targeting and portfolio performance.

Build and maintain Qonto's Swift-based iOS app, design and implement UI and architecture features, collaborate with backend, design and product teams, solve real-time sync issues, write and maintain unit and snapshot tests, and drive continuous refactoring and high code quality.

Guide French- and English-speaking entrepreneurs through company creation, capital deposits, and capital increases via email and chat. Investigate complex cases, coordinate with notaries, accountants, and internal teams, and ensure requests reach resolution. Analyze customer feedback, improve FAQs and procedures, and collaborate with Product, Tech, Compliance, AML, and KYC/KYB teams to improve onboarding operations.

Own credit fraud operations across markets, improve AI-powered fraud detection with Technology, analyze defaults and declined financing, revise eligibility criteria, and design fraud controls. Serve as the cross-functional credit fraud expert for Risk, Product, and Customer Care while helping build Qonto’s credit fraud function.

Build and maintain Qonto's Swift-based iOS app, deliver high-quality financial features, collaborate with backend/product/design, solve realtime sync issues, and drive testing, CI/CD, and continuous refactoring to improve architecture and user experience.

Own the global workforce capacity planning framework across banking operations, AML/Fraud, KYCB, and Customer Care. Build forecasting and FTE models, optimize internal and BPO capacity, manage consolidated BPO budgets, oversee strategic vendor relationships and contracts, validate invoices, and govern factory-level WFM analysts through standards and cross-functional alignment.

As a Senior Backend Engineer, you will design, develop, and maintain applications, ensuring quality and scalability while mentoring other engineers on technical leadership within cross-functional teams.