Original listing text, shown exactly as published by the company.
Your mission would be to
- Build & lead three teams of analysts (KYB, Transaction monitoring, Risk & Fraud)
- Deploy LCB-FT policies & control their proper application by your teams
- Contribute to KYB & TM tooling implementation & team training
- Optimize the efficiency of your teams and tools, leveraging AI and automating processes while protecting at all cost our risk appetite
- Work in close collaboration with the Compliance & Fraud & Risk teams of the LoD2
This is a greenfield project with high autonomy and responsibility, direct exposure to regulators, and the opportunity to shape the operations of a fast-growing fintech with a robust pre-existing customer base
Responsibilities phasing
- Phase 1 (pre-licence & migration, 2026-2027) :
- Work closely with the COO & Strategic Project Manager to support licence application and customer migration from BaaS to EP
- Focus 100% on payment operations (KYB, TM, Fraud) and building LoD1 infrastructure
- Phase 2 (post-licence, 2027+) :
- Progressively integrate credit operations (credit assessment & decisioning) as the Société de Financement scope ramps up
- Scale LoD1 to support both payment and credit activities across a growing customer base
Missions & objectivesOperations program
- Build and scale LoD1 from 30k to 300k+ accounts within 24 months post-licence
- Recruit, onboard and train 3 operational teams: KYB/KYC L1 (target: 15-20 FTE), Transaction Monitoring L1 (target: 10-15 FTE), Fraud & Risk L1 (target: 5-8 FTE)
- Define team structures, roles, responsibilities, and career paths aligned with regulatory requirements
- Establish SLAs and performance frameworks for each team
- Define collaboration models with Pennylane SAS (agent of Pennylane Financial Services) and with the LoD2
- Own the full operational lifecycle: onboarding → transaction monitoring → fraud detection → offboarding
- Manage budget and forecasting for LoD1 operations (headcount, tools, training)
Norms, Policies & Procedures application
- Deploy and enforce LCB-FT policies defined by translating regulatory obligations into daily operations
- Ensure 100% compliance with KYB/KYC workflows: customer risk classification, high-risk escalations, PEP screening, sanctions checks
- Execute transaction monitoring rules as defined by Compliance, escalate L2 alerts to TM L2 within SLA
- Apply fraud detection policies and manage escalation to Fraud & Risk L2
- Challenge policy applicability when operational friction is excessive; propose pragmatic adjustments to LoD2 while maintaining risk appetite
- Apply credit & merchant risk policies as per our risk classification
Tools & process automation
- Own vendors relationship for LoD1 tooling (SLAs monitoring, escalations, improvements)
- Deploy AI-powered automation on repetitive tasks: document verification, anomaly detection, alert triage
- Own back-office access management for all LoD1 teams (suspend, block, temporary wallets)
- Contribute to design the back-office of your teams by collaborating with a dedicated Product squad
Performance optimization
- Own monitoring & reporting KPIs : definition of metrics, development of performance dashboard & reporting
- Identify bottlenecks in workflows and tooling and implement corrective actions
- Implement QA framework (random sampling, calibration sessions, peer reviews…)
- Run continuous improvement cycles by implementing red-bin processes & collaborating with LoD2
- Benchmark performance against industry standards (other EPs, fintechs)
- Leverage data analytics to predict operational load and adjust team capacity proactively
- Consider outsourcing to BPOs and own the integration & deployment of this strategy
Training & Advisory
- Train LoD1 teams on LCB-FT requirements, tooling, escalation procedures
- Translate complex compliance requirements into simple, actionable guidance for product, business & tech counterparts
- Act as operational advisor to Product on new features: assess feasibility, identify compliance risks, propose mitigations
- Develop training materials: playbooks, SOPs, decision trees for analysts
Governance & Reporting
- Participate in quarterly risk committees with LoD2 and Executive Committee
- Maintain audit trails for all operational decisions (KYB rejections, TM escalations, fraud cases) to ensure regulatory traceability
- Coordinate with LoD2 on controls testing: provide evidence, remediate gaps identified by internal audits
- Support Lod2 on regulatory reporting (incidents escalation, statistics, potential support to LoD2 analysts for SAR)
- Defines & executes operational crisis protocols, post-mortem analysis & remediation plans
Team Leadership
- Recruit and lead a multi-layer organization of ~80 FTEs across KYB L1, TM L1, Fraud & Risk L1 within 18 months
- Build your N-1 lines with dedicated performance framework and dedicated team cultures
- Foster a culture of rigor, accountability, and continuous learning
- Ensure work-life balance despite operational intensity; implement shift rotations, on-call schedules
- Develop talent internally: promote high performers, create senior analyst / team lead roles
- Collaborate cross-functionally with Tech, Product, Compliance, and Risk teams
Projects & expansion
- Accompany licence passporting to other European markets, starting with Germany : own organization evolution, localization and process adaptation
- Plan & accompany customers migration out of the BaaS model together with the Strategic Project Manager overseeing our licence project (knowledge transfer, incident management, coordination)
Credit risk assessment & decisioning
- Deploy credit risk policies defined by LoD2 across all credit products (wallet financing, invoice financing, BNPL)
- Manage credit origination workflows
- Monitor active credit portfolio by tracking repayment schedules & low signals
- Challenge risk policies when operational friction blocks growth
- Oversee credit risk performance and implement credit decisioning tools
Profile & Must‑Have ExperienceExperience
- 8+ years in financial services operations, ideally in a regulated fintech, bank, or payment institution
- 3+ years managing LoD1 operations (KYB/KYC, transaction monitoring, fraud & risk) in a regulated environment
- Direct experience with ACPR or similar EU regulator (AMF, BaFin, FCA): licence application, audits, reporting
- Track record in scaling environment
- Hands-on experience implementing and optimizing LCB-FT tooling
- Experience working under dual reporting (operational + compliance) in a 3 Lines of Defense model
- Bonus: experience in credit operations (Société de financement scope) or BaaS partnerships
Technical Skills
- Deep knowledge of French AML/CTF regulations: ACPR requirements, TRACFIN obligations, FATF standards
- Operational expertise in KYB/KYC workflows, transaction monitoring rules (scenario design, thresholds), fraud typologies
- Data-driven approach: proficient in analytics tools (SQL, BI dashboards), able to interpret operational metrics and drive decisions
- Tooling evaluation and implementation: ability to assess vendors, negotiate contracts, lead integrations with Tech teams
- Process automation and AI: understanding of ML-based fraud detection, RPA for document processing, chatbots for L1 support
- Risk appetite calibration: able to balance compliance rigor with operational efficiency without compromising risk posture
Soft Skills
- Strong leadership and ability to influence
- Excellent communication skills across all levels (Board, regulators, operational teams)
- Rigorous, principled, and accountable
- Pragmatic, impact‑driven approach, capable of operating under strong regulatory constraints without blocking innovation.
- Comfortable operating in a dual posture of operations and advisory, with clear boundaries between the two
- Strong pedagogy: able to explain complex operations to product managers, engineers and founders in simple, actionable terms.
- Challenging yet constructive: comfortable questioning senior leaders, while remaining solution‑oriented and business‑minded.
Languages, Presence & Location
- Languages: Fluent French and English are mandatory
- Location:
- Based in France, with a strong preference for Paris.
- Regular on‑site presence in Paris is expected; partial remote is possible, but this is not a fully remote role.
