KYC Operations Expert (f/m/d)

Raisin

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The AFC Operations team is primarily responsible for transaction monitoring and the KYC process, including PEP and sanctions screening. The team ensures that all customer activities comply with applicable AML and regulatory requirements, identifying and escalating suspicious activities where necessary. Working in close collaboration with the Money Laundering Reporting Officer (MLRO), the team plays a key role in safeguarding the organization against financial crime risks. In addition, AFC Operations continuously reviews and improves internal processes to enhance efficiency, data quality and regulatory compliance standards. Your Responsibilities * Alert Management & Investigation: Review complex transaction monitoring alerts and conduct investigations into suspicious activities. You are responsible for the decision-making regarding Suspicious Activity Reports (SARs/Verdachtsmeldungen) and ensure that all filings and documentation meet regulatory requirements. * TM Framework & Detection Logic: You drive the conceptual development and optimisation of the bank's monitoring infrastructure. This involves refining detection scenarios, tuning threshold settings to minimise false positives, and ensuring that our monitoring rules keep pace with evolving criminal typologies. * Operational Monitoring Controls: You execute and oversee comprehensive monitoring activities and internal controls. Your focus is to ensure that the operational output of the TM unit consistently meets the highest quality and regulatory standards. * System Architecture & AFC Project Management: Drive the AFC-side of system deployments and feature updates. You are responsible for the seamless operational transition of new business activities into our monitoring ecosystem, ensuring that scalability and regulatory integrity go hand in hand. * Technical Outsourcing & Audit Management: Oversee AFC-related tool environments and service providers to ensure operational integrity. You act as a key subject matter expert during internal and external audits, facilitating a smooth examination process through diligent preparation and expertise   Your Profile * Academic Background: University degree in Law, Economics, Business Administration, or a related field. * Professional Experience: Extensive experience in Anti-Financial Crime (AFC) within the financial services industry. * Regulatory Expertise: In-depth knowledge of national and international regulatory frameworks (e.g., German GwG, KWG, and EU AML Directives). * Process Excellence: Proven experience in designing, documenting, and optimising AFC processes and frameworks. * Language Skills: Professional proficiency in English and excellent German skills are mandatory * Certifications: Relevant industry certifications, such as CAMS (Certified Anti-Money Laundering Specialist), are considered a plus. Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.

Qonto

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. ------------------------------------------------------------------------------------------------------ Join us as a Customer Onboarding Officer to help scale Qonto's Italian market. You'll conduct deep-dive account validations in strict compliance with Bank of Italy guidelines, tackling a significant operational backlog while maintaining high quality standards. You will report to Alessandro Pesapane, Team Lead KYC-B Operations Italy. ➡️ What you'll do Validate customer and company profiles: Conduct thorough manual validations (15-20 per day) to determine account eligibility — analysing structures, beneficial owners, and business models. Review complex KYC/KYB documentation: Verify passports, IDs, company registration documents, and financial statements across the customer lifecycle. Draft detailed analytical reports: Write comprehensive, structured justifications for each acceptance or rejection decision — Bank of Italy guidelines applied meticulously. Support the frontline team: Provide direct operational guidance to our level one (DTO) team on complex cases they cannot resolve. Maintain operational cadence: Process accounts efficiently to clear the backlog while upholding quality standards — speed and rigour, not one at the expense of the other. ➡️ What we're looking for Operational experience in KYC/compliance: 1-2 years in customer care, KYC/KYB, or compliance — ideally in fintech or a fast-paced environment. You've reviewed real documentation, not just studied the theory. Compliance mindset: Strong attention to detail and completely comfortable reviewing complex legal and financial documentation. You follow regulatory guidelines to the letter. Analytical writing: You write detailed, structured analyses to justify your decisions. Clear reasoning on paper is as important as the decision itself. Languages: Fluent written and spoken Italian. Excellent English (Qonto's internal language). Customer awareness: You understand that every validation impacts a real person waiting to open their account. You balance compliance rigour with respect for the customer journey. ➡️ What we can offer you A high-impact role in a scaling market: Italy is growing fast at Qonto. Your work directly impacts compliance rate and customer satisfaction — every account you validate is a business that can start banking with us. Real compliance depth: You'll apply Bank of Italy guidelines daily, review complex corporate structures, and build expertise in KYC/KYB that compounds over time. A close-knit team at a pivotal moment: You're joining the Italian onboarding team as it rebuilds and scales. There's room to evolve toward process improvements once the backlog is cleared. Direct access to decision-makers: You'll work closely with key stakeholders and have visibility on how your operational work feeds into Qonto's Italian market strategy. ➡️ Your future manager Your manager will be Alessandro Pesapane, Team Lead KYC-B Operations Italy. His path? 5+ years at Qonto — Alessandro started as KYC KYB Operations Manager, was promoted to KYC KYB Operations Expert, and became Team Lead in 2026. Before Qonto, he spent 3+ years at Comdata France, progressing from Customer Care Agent to Quality & Training Manager. He studied at the Università degli Studi di Cagliari and brings a background in press communication, education, and customer care. What does he bring to the team? A customer-obsessed, quality-driven approach built from years of frontline experience. Alessandro has done every level of the work he now leads — from processing cases to designing quality standards. He combines operational depth with clear communication to keep execution smooth in a fast-scaling Italian market.

Blockchain.com

We are looking for a KYC Senior Lead to own the end-to-end operational integrity of our Know Your Customer, Enhanced Due Diligence, and Ongoing Due Diligence programs. This role sits at the heart of Blockchain.com's first line of defence. You will be the operational owner of KYC, EDD, and ODD delivery, responsible for the quality of work produced by our outsourced review teams, the accuracy and timeliness of our processes, and our readiness for internal and external audits. The expanded scope across EDD and ODD reflects the increased complexity and regulatory exposure this role carries. Your Trust & Safety manager acts as the coordination and escalation layer with Compliance leadership, and you will be expected to feed that channel with clear operational signals, timely flagging of risks, and a complete picture of programme health. This role requires someone who understands regulatory KYC requirements in a regulated crypto environment, can hold a high bar for outsourced team quality without managing them directly, and communicates process changes and operational risks with precision. WHAT YOU WILL DO * Own the operational delivery of KYC, EDD, and ODD programmes, ensuring processes meet regulatory standards and internal quality thresholds. * Define and maintain process documentation, standard operating procedures, and decision frameworks used by the KYC/EDD/ODD review teams. * Oversee the performance of outsourced review agents, conducting regular quality checks, calibration sessions, and structured feedback loops. * Handle audit preparation across KYC, EDD, and ODD, ensuring evidence packs, process records, and team outputs are consistently audit-ready. * Identify process gaps or quality degradation early and escalate findings to the Trust and Safety manager with clear impact assessment. * Translate upcoming product launches, regulatory changes, or remediation projects into updated operational processes ahead of go-live. * Coordinate process updates and communicate changes to the outsourced team clearly and on schedule, minimising disruption to review volumes. * Monitor KYC and due diligence queues and output quality, flagging capacity or accuracy issues before they become compliance risks. * Contribute to the scoping and planning of KYC remediation projects, providing operational input on timelines, volumes, and process feasibility. * Track and report on key operational metrics, providing the Trust & Safety manager with the data needed for Compliance leadership conversations.   WHAT YOU WILL NEED * 3+ years of experience in KYC operations, with direct exposure to EDD and ODD processes in a regulated financial services or crypto environment. * Solid understanding of AML/KYC regulatory requirements, ideally under FCA or equivalent frameworks. * Demonstrated experience overseeing outsourced or third-party review teams, including quality assurance and performance management. * Ability to write and maintain clear, precise process documentation that non-expert reviewers can follow consistently. * Experience preparing for or participating in internal or external compliance audits. * Strong communication skills, with the ability to translate regulatory or operational complexity into clear guidance for review teams and concise updates for management. * Comfortable working in a fast-moving environment where processes evolve with product and regulatory change. * Proven problem-solving and collaborative skills, with the ability to work closely with Product and Compliance teams to resolve complex operational or regulatory challenges * Experience with crypto or fintech products is a plus. * Hands-on experience with KYC operations and IDV solutions across different jurisdictions (EMEA, US, Africa) is a significant plus   COMPENSATION & PERKS * * Competitive salary based on experience. * Remote work * HMO on day 1 (contractor)