Onboarding and KYC Specialist

We give companies of all sizes - as well as individuals- access to the best cash investment products, typically reserved for large corporations and institutional investors.

Our products are available through a web interface, via API, or through a growing network of distribution partners.

Unlike banks, which tend to offer rigid investment products with complex contractual terms, our offering is simple, transparent, and highly flexible.

Founded in mid-2023 by Antoine and Paul-Adrien, Spiko is a fast-growing fintech now helping more than 2,000 companies put several hundred million euros in idle cash to work.

We foster a culture of excellence rooted in transparency, humility, and performance.

This mindset shapes how we make decisions, how we share information internally, and how we design and sell our products.

As an Onboarding and KYC Specialist, you'll own the end-to-end investor onboarding journey - from first document review to account activation, across multiple European markets with different regulatory frameworks and documentation standards.

You'll be accountable for two things: the client experience (how fast and smooth the onboarding feels from the investor's perspective) and compliance quality (how rigorously our KYC policies are applied). You'll be the one making sure every new client gets through the door smoothly, applying our KYC procedures with rigour while delivering a frictionless experience. You'll also actively leverage AI and automation to streamline verification workflows and scale onboarding without compromising on compliance quality.

You will be a member of our Customer Success team. You'll work hand in hand with our Compliance team who set the policies and handle escalated cases - your focus is on executing those processes flawlessly at scale.

Investor Onboarding & KYC Execution

• Manage the onboarding of investors (retail, corporate, institutional) distributed via Spiko Finance or third-party partners, across several European markets (France, and expanding).

• Conduct first-level KYC checks for both individuals and legal entities: review of identity documents, beneficial ownership structures, source of funds, and risk scoring, following the procedures defined by the Compliance team.

• Handle the review and approval of investor documents within the app, including bank account verification and documentation checks tailored to the investor's risk level and transaction size.

• Maintain ongoing due diligence by monitoring client documentation (periodic reviews, document renewals) and flagging anomalies or suspicious patterns to the AML team for further investigation.

• Investigate complex or high-risk cases with the Compliance team, providing clear context and preliminary analysis to facilitate decision-making.

Onboarding Process Improvement

• Identify bottlenecks in the onboarding journey (drop-offs, document back-and-forth, approval delays) and propose actionable improvements to reduce friction and time-to-activation.

• Work closely with Product and Engineering to enhance onboarding tools, leverage AI for document extraction, identity verification, and risk screening, and automate repetitive manual checks to increase throughput while maintaining compliance standards.

• Document and standardize onboarding workflows to ensure consistency and scalability as the client base grows.

• Contribute feedback to the Compliance team on the practical applicability of procedures, helping bridge the gap between regulatory requirements and operational reality.

• Academic background: degree from a university or business school, ideally with a focus on business administration, law, or finance - but we're open to other backgrounds if you're rigorous, detail-oriented, and eager to learn.

• Experience: 1 to 3 years in an onboarding, KYC operations, or client-facing compliance role, ideally within financial services, fintech, or a regulated environment. Hands-on experience reviewing corporate documentation is a strong plus.

• Skills: you're structured, meticulous, and comfortable reviewing complex documentation (corporate structures, identity documents, source of funds). You know how to manage a pipeline of dossiers without letting things slip.

• Market: comfortable working across multiple European jurisdictions with varying KYC/AML requirements. Experience in fintech or banking is a plus - what matters most is a genuine interest in financial services and a willingness to navigate different regulatory environments.

• Mindset: you're highly rigorous and take ownership of your work. You see onboarding not as an administrative task but as the first impression clients have of Spiko.

• Autonomy: you're proactive, reliable, and able to manage your pipeline independently while knowing when to escalate.

• AI & tools mindset: you're curious about how AI can improve KYC and onboarding operations - whether it's automating document checks, flagging anomalies, or reducing manual back-and-forth. You don't need to be technical, but you're eager to experiment and push for smarter workflows.

• Languages: fluent in French (native level) with excellent written skills, and professionally proficient in English. Any additional European language (Spanish, Italian, German…) is a strong plus.

• 💰 Competitive package: €40k - €50k salary + competitive stock options

• 📍 Office: in the heart of Paris, 2nd arrondissement

• 🏡 Remote work: up to 2 days per week and/or one full remote week per month

• 💻 Best-in-class set-up: latest-generation MacBook, etc.

• 🏥 Health insurance: 100% covered by Spiko

• 🍏 Benefiz: flexible meal vouchers and perks in one app.

• 🎊 Social life: regular afterworks and biannual offsites

1. Screening interview - 30 min with Lilian, Talent Acquisition

2. Hiring Manager interview - 30 min via video call or in-person

3. Business Case: To work on at home and present online or in person

4. Final in-person Interviews with the Founders

5. Reference Check: we'll reach out to your references to gather further insights

6. Offer!

At Spiko, we hire for what you can bring - your skills, your judgment, your drive - not for what you look like, where you come from, or what your background is. We're committed to building a team that reflects the breadth of the customers we serve, and to creating an environment where everyone can do their best work. If something in this job description doesn't match your background perfectly but you believe you'd thrive in the role, we encourage you to apply anyway. Tell us why.