AML Compliance Officer - Belgium

Mollie

Build with us Since 2004, we've had one clear goal: to make payments and money management effortless for every business in Europe. Today, more than 250,000 companies use Mollie to get paid, manage money and grow – with products designed to be simple, scalable, and dependable. With 950+ Mollies across 14+ locations, we care deeply about autonomy and craft. So we work in small teams, with real ownership, and we trust you to make the right decisions. We're building for the long term, so we provide the tools you need, processes you can rely on, and a balanced work environment to help you do work you're proud of. Sound like your kind of place? Let's build together. Your impact As Mollie's Anti-Money Laundering Compliance Officer (AMLCO) in Belgium, you will be a designated function holder with real regulatory authority. You'll own the design, oversight, and continuous improvement of Mollie's AML/CFT and sanctions framework for our Belgian operations, operating under a Dutch-passported EMI license. That means accountability for keeping us compliant with NBB and FSMA expectations, and managing all reporting obligations to the Financial Intelligence Processing Unit (CTIF-CFIFIU). This role sits at the intersection of regulatory rigour and business ambition. Mollie is expanding its product portfolio in Belgium.. You'll bring hands-on financial crime expertise, take genuine regulatory ownership, and provide the local governance accountability that lets us scale with confidence. Reporting to the Director of Compliance, you'll be part of a broader Compliance domain with room to grow. As the role evolves alongside Mollie's Belgian product expansion, so will your scope,making this an opportunity to build something meaningful. What you'll ship * Own and continuously improve Mollie's AML/CFT and sanctions framework for Belgian operations, ensuring it stays fit for purpose as the business scales * Manage all regulatory reporting obligations to the CTIF-CFIFIU and maintain a strong, proactive relationship with Belgian supervisory authorities (NBB/FSMA) * Lead the local implementation of AML/CFT policies and controls in line with EU directives (AMLD, PSD2) and EBA Guidelines, translating regulatory requirements into practical, operational frameworks * Drive compliance readiness for new product launches in Belgium ensuring expansion happens on solid regulatory ground * Monitor the Belgian regulatory landscape and translate changes into timely, actionable updates to Mollie's compliance programme * Act as the internal point of expertise on Belgian financial crime compliance, advising stakeholders across the business and supporting a culture of compliance across teams What you'll bring * 5–8+ years of experience in AML/CFT and financial crime compliance within a regulated financial institution — EMI, PSP, bank, or fintech * Prior experience as an AMLCO or deputy AMLCO, ideally within a Belgian regulatory context * Strong, working knowledge of the Belgian AML/CFT framework, EU directives (AMLD, PSD2), and EBA Guidelines — you know this space and can apply it practically * A track record of managing regulatory relationships and reporting obligations, including with bodies like the NBB, FSMA, or CTIF-CFIFIU * The ability to translate complex regulatory requirements into clear, actionable frameworks,without losing the detail and broader business context * Comfortable working across borders: this role involves occasional travel between Belgium and the Netherlands as part of a wider Compliance domain. Grow your way At Mollie, growth is personal. We believe everyone should have the chance to develop their skills, explore new challenges and shape their career on their own terms. You'll get regular feedback and performance reviews to support your development, with fair and transparent salary reviews along the way. Many Mollies move into new roles or take on new projects to stretch themselves, and we actively hire from within to help you take the next step. No matter if you're aiming for promotion, exploring a different career path or building new skills, you'll be supported with the tools, trust and opportunities to grow your way. Unlock your full potential and join us to eliminate financial bureaucracy. If you're excited by the idea of building what's next, for yourself and for thousands of businesses across Europe, we'd love to hear from you. Apply with your CV (in English) using the form below. Want a peek behind the scenes? Check out what life at Mollie is really like. AI at Mollie We believe in Always Be Shipping, and AI brings that philosophy to life across every team, every role, every day. AI is core to how we build. It helps us move faster, simplify work and make smarter decisions, creating real impact for the businesses we serve. We're looking for people who are excited to use AI to shape the future of finance with us.

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 our Anti-Financial Crime team as an MLRO/Anti-Financial Crime Officer (Belgium) to build, run and continuously improve Qonto’s financial crime framework for the Belgian market. You will report to Florence, our Anti-Financial Crime Director (Western Europe) and play a key role in Qonto’s Belgian expansion by ensuring we meet local AML/CFT requirements, manage Suspicious Activity Reports, and maintain trusted relationships with Belgian authorities. Your work will directly support Qonto’s ability to onboard and serve Belgian clients safely, compliantly and at scale. ➡️ What you'll do Continue the implementation of Belgian AFC processes: manage and continuously improve financial crime processes for the Belgian market, ensuring compliance with local regulations and alignment with Qonto’s roadmap. Represent Qonto with local authorities: Engage with the Belgian Financial Intelligence Unit (FIU) and relevant regulatory authorities as a key point of contact for financial crime matters. Own SAR management: File and manage Suspicious Activity Reports (SARs) with Belgian authorities, ensuring every report is accurate, timely and aligned with local regulatory expectations. Build local policies and procedures: Draft, adapt and implement financial crime policies and procedures tailored to Belgian market requirements. Monitor operational performance: Track AFC KPIs, identify delays or backlogs, and drive improvements that make processes more efficient, reliable and scalable. Take on local representation responsibilities: Serve as Deputy Managing Director of Qonto’s Belgian branch, representing the entity with Supervisory authorities, approving risky-client onboarding, and reporting into the relevant Risk Committee, Board and Country MBR in line with Qonto’s policies. ➡️ What we're looking for Strong AFC / compliance experience: You have extensive experience in financial crime prevention, AML/CFT processes or regulatory compliance, ideally in a fintech, banking or broader financial services environment. Autonomous operator: You are comfortable owning a market-critical scope independently, making sound decisions and navigating ambiguity in a regulated environment. Analytical mindset: You can understand complex regulatory requirements, assess risk, and translate them into clear operational decisions and processes. Stakeholder management: You build trusted relationships with internal and external stakeholders, including AFC, MLROs, Sanctions, Risk & Compliance, Product, Tech and regulatory bodies. Hands-on and proactive approach: You are energetic, pragmatic and able to take initiative in a market-building context where processes are still evolving. Languages: You communicate clearly and professionally in English and French. Flemish or Dutch at C2 level is a strong plus for local Belgian interactions. ➡️ What we can offer you Direct regulatory impact: Your work will shape how Qonto operates in Belgium and ensure we meet local financial crime obligations with the right level of quality and accountability. A market-building opportunity: Belgium is a growing market for Qonto. You will join at an important stage and help build scalable AFC processes from the ground up. Cross-functional exposure: You will work closely with AFC, MLROs, Sanctions, Risk & Compliance, Product and Tech, giving you broad visibility across Qonto’s operating model. A high-autonomy role: You will be trusted to own decisions, drive improvements and represent Qonto on sensitive regulatory topics. Support from experienced teams: While you will be dedicated to the Belgian market, you will have access to central expertise and support from AFC and compliance teams across Qonto. ➡️ Your future manager Your manager will be Florence Cervoni, our Anti-Financial Crime Director Western Europe. Her path? Florence is a certified AML specialist with strong experience in financial crime, AML/CFT and sanctions. Before Qonto, she led BoursoBank’s Financial Crime framework and held several senior compliance roles at Société Générale & Crédit du Nord. What does she bring to the team? Florence brings hands-on AFC expertise, strong process-improvement skills and solid leadership in regulated environments. She will provide clear priorities and technical guidance while trusting the person to own the Belgian scope autonomously. 

iBanFirst

WHO ARE WE? iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner. By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security. KEY FIGURES * 350+ employees across 14 offices in 11 European countries * 30+ nationalities represented, average age: 32 * 10,000 corporate clients trust us * €80M in revenue in 2025, with a target of around €100M in 2026 * Profitable for nearly two years * Ranked for 7 consecutive years in the Financial Times FT1000, among the fastest-growing European companies * An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service A STRONG CULTURE BUILT AROUND 4 CORE VALUES * Team First: The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together. * Tenacity: We're transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA. * Transformation: Innovation is not a buzzword; it's a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact. * Trust: Trust is the foundation of everything we build — with our clients and, above all, internally. It's driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability. WHY JOIN US? * We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market. * We're driven by a meaningful mission: helping bold "Small & Medium Multinationals" succeed globally. * Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously. * You'll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions. * iBanFirst is profitable and backed by long-term investors: * Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning * In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions Joining iBanFirst means joining a profitable, international, fast-growing tech company. It's a chance to make a real and visible impact on the governance of an ambitious European fintech.   THE ROLE RECRUITMENT CONTEXT We are opening this position as part of our continued commitment to strengthening iBanFirst's internal control environment and governance framework. As we scale internationally across 11 European countries and operate under the supervision of the National Bank of Belgium, maintaining a robust and independent internal audit function is a core priority. The incoming Head of Internal Audit will join a well-established framework — with an existing audit plan and control environment in place — and will have the opportunity to build on these foundations, bring their own expertise, and grow with the function. MANAGER & TEAM You will report to Arnaud de la Porte (CFO/Deputy CEO/Board Member), with a dotted line to senior governance bodies including the ExCo and the Board. You will further establish and lead the Internal Audit function — a setup that comes with a lot of autonomy and direct ownership over the full audit scope. As iBanFirst continues to grow, the internal audit function would naturally follow. You will have direct, regular access to iBanFirst's Executive Committee and the opportunity to present directly to the Board of Directors. You will also work closely with: * External auditors * The National Bank of Belgium (regulator) * All business functions across iBanFirst's 11 European offices The role is based in Brussels or in Paris.   WHAT WILL YOU DO? As Head of Internal Audit, you will lead the Internal Audit function and act as the Third Line of Defence, providing independent assurance to senior management and governance bodies on the effectiveness of iBanFirst’s governance, risk management, internal control, and regulatory compliance frameworks. KEY RESPONSIBILITIES: Audit Planning & Execution * Develop and annually review the risk-based internal audit plan across the group, incorporating input from key internal and external stakeholders * Execute internal audit engagements for the non-IT scope in line with the approved audit plan and internal audit standards * Produce high-quality audit reports with clear findings and actionable recommendations Oversight & Monitoring * Oversee and monitor the performance of outsourced IT internal audits * Track and monitor the implementation of audit recommendations across the organization * Ensure audit activities are aligned with regulatory expectations, particularly those of the National Bank of Belgium Stakeholder Engagement * Periodically present audit results, key risks, and remediation progress to senior management, ExCo and the Board of Directors * Coordinate and collaborate with external auditors and the NBB when required * Build trusted relationships across all business functions — acting as a constructive and credible voice on governance and control matters ROLE OBJECTIVES First 3 months: * Get fully up to speed with iBanFirst's business, regulatory environment, and existing audit framework * Build strong working relationships with key internal stakeholders, across ExCo and business functions, as well as with the outsourced IT internal auditors * Take full ownership of the audit plan and ongoing engagements First 6 months: * Operate fully independently — ExCo members understand and value the function's output * Deliver first audit reports and present findings confidently to senior governance bodies * Establish a smooth working rhythm with external auditors and the NBB First 12 months: * Contribute to the internal audit function being recognized as trusted, credible and autonomous * Deliver high-quality internal audit reports in line with the internal audit plan * Potentially contribute to expanding the team   WHAT DO YOU BRING? EXPERIENCE: * 5+ years of experience in internal or external audit * Background in financial services, banking, or a regulated fintech environment — experience with AML and financial crime topics is a strong asset * Demonstrated experience as the responsible for the internal audit function is a plus MUST-HAVE SKILLS: * Fully autonomous and self-directed — you don't need a mentor or a team to deliver; you take ownership and drive your own agenda * Comfortable working independently — you enjoy the depth and focus that comes with being a one-person function * Excellent written communication — you write clear, structured, impactful audit reports in English * Confident presenter — you confidently and clearly present findings to ExCo and Board members; credible and composed in high-stakes settings * Proactive and transparent — you flag issues early, communicate openly, and don't hold back * Highly organized and rigorous — you follow through on commitments, track recommendations, and manage your own planning with discipline * Critical and analytical mindset — you dig into documents and data, ask the rightttr questions, and form well-grounded conclusions * Fluent in English (required); French or Dutch strongly preferred NICE TO HAVE: * CIA certification (Certified Internal Auditor) — or genuine willingness to obtain it * Experience in a fast-growing start-up/scale-up environment * Familiarity with the National Bank of Belgium's regulatory expectations   WHAT DO WE OFFER? * Permanent contract * Compensation: €70,000 - €80,000 gross annual (fix + performance bonus) * Office location: Brussels or Paris * Hybrid work policy: Flexible, possibility to work from home two days per week BENEFITS & PERKS: * Net allowances * Meal vouchers — €8 per working day * Phone subscription * Company car with fuel card * Health insurance WHY THIS IS A GREAT OPPORTUNITY: * Direct access to ExCo and Board — a rare opportunity to learn, raise awareness and drive the importance of internal audit in the company * Fast learning environment — you'll be exposed to a broad range of business topics, geographies, and regulatory frameworks * Travel opportunities — occasional visits to iBanFirst's 14 offices across Europe * Certification support — iBanFirst supports you in your development and in obtaining the CIA certification This role offers a unique combination of autonomy, senior exposure, and real impact — in a profitable, fast-growing European fintech.   RECRUITMENT PROCESS 1. Screening call with Malorie Petitjean (Talent Acquisition Specialist) — 30 minutes – remote (video) 2. In-depth interview with Arnaud de la Porte (N+1) — 1 hour – in-person (Bruxelles) or remote 3. Final round with one or two ExCo member(s) — 45 minutes – in-person (Paris) or remote