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 lead our compliance framework through a defining transition: from Payment Institution to Credit Institution. You'll own the combined Regulatory Compliance and GDPR scopes, manage an international team of eight, and partner with Product, Strategy, Growth, and Legal to enable the launch of our credit offering across eight European markets. You will report to Alex Tribolet, Head of Regulatory at Qonto. ➡️ What you'll do Lead and develop the team: Manage 8 people covering client protection, GDPR, outsourcing & partnerships, product governance, DORA, and anti-corruption — the full non-AML compliance scope. Own the Credit Institution compliance roadmap: Ensure Qonto is ready to operate as a Credit Institution with the expected level of rigor and governance. You define the path and you deliver it. Enable compliant product launches: Partner with Product & Strategy teams to design and ship new credit & savings products. Your guidance needs to be timely, actionable, and pragmatic — not a blocker. Manage regulatory relationships: Own interactions with banking and data protection authorities across all markets. Ensure the team delivers accurate, consistent replies to supervisors in every country where Qonto operates. Scale through tooling and AI: Leverage AI to handle first-level analysis and improve responsiveness, while maintaining quality, traceability, and human-in-the-loop controls. ➡️ What we're looking for Deep regulatory compliance experience: 8–12+ years in banking or financial services compliance, ideally with exposure to both payment and banking regulations. You've seen what a Credit Institution license requires — not just read about it. Team leadership at scale: Proven experience leading compliance teams and scaling an operating model in an international, multi-stakeholder context. Regulator engagement: You've owned supervisory deliverables — remediation plans, action plans, regulatory examinations. You're comfortable being the face of compliance with authorities. Business partnership: You translate complex regulatory requirements into clear decision frameworks for Product and Business teams. You make compliance enabling, not blocking. Languages: Fluent French (mandatory for ACPR interactions) and fluent English. Other European languages are a plus. ➡️ What we can offer you A role at the centre of Qonto's next chapter: The Credit Institution transition is the most significant regulatory milestone in Qonto's history. You'll be in the room with top management and competent authorities, shaping how we get there. Real multi-market complexity: France, Germany, Spain, Italy, Netherlands, Austria, Belgium — eight markets, multiple regulators, one framework to build. Build the model, don't just run it: You'll shape the team structure and operating model that scales with Qonto's ambitions. This isn't a maintenance role. AI-forward compliance: Qonto invests in AI tooling for compliance workflows. You'll have the tools and mandate to rethink how regulatory work gets done. ➡️ Your future manager Your manager will be Alex Tribolet, Head of Regulatory at Qonto. His path? Alex joined Qonto in 2021 and structured the entire Regulatory team — non-AML Compliance, GDPR, Regulatory Reporting, Supervisory Engagements, and Internal Governance. Before Qonto, he built deep regulatory experience at HSBC across Regulatory Affairs, Brexit-related projects, and Investment Banking compliance. He also sits on the Board of AFEPAME (French Payments Association), contributing to industry lobbying. What does he bring to the team? A collaborative, pragmatic, business-oriented leadership style. He gives his team real ownership and expects compliance to be an enabler, not a gatekeeper.