Head of Regulatory Compliance

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. 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. ------------------------------------------------------------------------------------------------------ Join Qonto as Head of Regulatory Compliance and play a key role in our next phase of growth. As we transition from a Payment Institution to a Credit Institution , you will help scale the Regulatory Compliance framework at Qonto to support our expansion. You will lead the combined Regulatory Compliance and GDPR scopes, managing an international team of eight , and partner closely with Product, Strategy, Growth and Legal to enable the launch of our credit offering across eight markets . Reporting to Alex Tribolet within the Risk & Compliance organization, you will ensure compliance effectively supports Qonto’s growth and innovation. 👩‍💻🧑‍💻 As a Head of Regulatory Compliance at Qonto, you will: Lead and develop an 8-person team whose scope cover non-AML compliance, i.e. client protection, GDPR, outsourcing & partnerships, product governance, DORA, anti-corruption, to name a few. Own Qonto’s regulatory compliance roadmap for the Credit Institution transition, ensuring we are ready to operate with the expected level of rigor and governance. Partner with Product & Strategy teams to enable compliant design and launch of new credit & savings products, providing guidance that is timely, actionable, and pragmatic. Assist in the handling of queries and expectations from Qonto’s banking & data protection authorities . You will ensure that the Regulatory team provides accurate, precise, and consistent replies to the authorities in the countries where Qonto is based. Leverage tooling and AI to scale first-level analysis and improve responsiveness, while maintaining strong quality, traceability, and human-in-the-loop controls. 🤔 What you can expect: Impact: A role at the heart of Qonto’s Credit Institution journey with high visibility and tangible impact on how we ship products and expand. You will engage with top-level management and competent authorities as part of your role. International scope: An international environment (France, Germany, Spain, Italy, Netherlands, Austria, Belgium) with real multi-market complexity. Build & scale: The opportunity to shape a team and operating model that can scale with Qonto’s ambitions. 🤝 Your future manager You will report to Alex Tribolet , Head of Regulatory at Qonto. Alex joined Qonto in 2021 and has structured the Regulatory team , encompassing non-AML Compliance, GDPR Compliance, Regulatory Reporting, Supervisory Engagements, and Internal Governance. Prior to Qonto, Alex built deep regulatory experience at HSBC (Regulatory Affairs, Brexit-related projects, and Investment Banking compliance). He also contributes to industry-wide lobbying via the French Payments Association (AFEPAME) Board. His leadership style is collaborative, pragmatic and business-oriented. 🏅 About you: Experience: 8–12+ years in regulatory compliance within banking / financial services , ideally with exposure to both payment and banking regulations. Management: Proven experience leading teams and scaling an operating model (ideally in an international / multi-stakeholder context). Regulators: Experience engaging with regulators and owning supervisory deliverables (incl. remediation/action plans). Business partnership: Ability to translate complex requirements into clear decision frameworks and actionable guidance for Product/Business teams. Working style: Pragmatic and collaborative, able to be assertive when needed while keeping a constructive feedback mindset. Languages: Fluent French (for ACPR interactions) and fluent in English ; other European languages are a plus. At Qonto we understand that true diversity isn't just about ticking boxes on a hiring checklist. Apply regardless of the boxes you tick! 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. - --------------------------------- ---------------------------------- ---------------------------------- On average, our hiring process lasts 20 working days . More information on our candidate journey here ---------------------------------- ---------------------------------- ---------------------------------- 🔒 Your security matters to us Recruitment scams are on the rise. Keep in mind, w e 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 ( [email protected] )