Financial Crime Analyst

Location: Paris

Job Type: Permanent

Reports to: Money Laundering Reporting Officer (MLRO)

About the Role

We are seeking a dynamic and analytical Financial Crime Analyst to join our team on a permanent basis in Paris. In this role, you will work closely with the Money Laundering Reporting Officer (MLRO), providing vital support across their day-to-day requirements. This role offers a unique opportunity encompassing a wide-ranging and broad scope of work. Responsibilities span high‑level investigations, data analysis, policy creation, and operational support — meaning we are looking for someone who is highly flexible, open to new challenges, and adaptable to shifting priorities.

Key Responsibilities

• MLRO Support: Assist the MLRO with day‑to‑day requirements and long‑term strategic projects, ensuring compliance with regulatory obligations.
• High‑Risk Customer Reviews: Handle daily escalations regarding customer onboarding by applying strong KYC knowledge and sound decision‑making skills to ensure we are working within the company’s risk appetite.
• Investigations: Conduct AML investigations using Open Source Intelligence (OSINT) and internal data, preparing case packs and draft recommendations for the MLRO — including the preparation of Suspicious Activity Reports (SARs) where required. Prior experience as a TRACFIN correspondent/declarant is highly desirable.
• Thematic Reviews: Plan and conduct targeted thematic reviews across different business areas to assess the effectiveness of compliance controls.
• MI & Data Analysis: Gather Management Information (MI) and conduct comprehensive analysis to identify trends, patterns, and potential risks.
• Policies & Procedures: Lead the creation, review, and continuous updating of Financial Crime and AML Policies, Procedures, and operational guidance.
• Tool & Systems Testing: Regularly test and evaluate transaction monitoring, customer screening, and ongoing monitoring tools to ensure they operate effectively.
• Training & Awareness: Assist the MLRO in developing, delivering, and tracking financial crime training across the organisation — promoting a strong culture of financial crime awareness.

What We’re Looking For

Experience & Qualifications

• Experience: 3–5 years of proven experience, ideally in AML and Financial Crime, though KYC or Compliance related backgrounds will also be considered.
• Knowledge: Strong understanding of the French AML/CFT regulatory framework and applicable EU directives.
• AI Literacy: You do not need to be an expert, but you should be comfortable using and improving AI tools to streamline workflows.
• Data Handling: Comfortable gathering and analysing data/MI to draw actionable insights. Advanced technical skills are not required but are a nice‑to‑have.
• Language Skills: Full professional fluency in both French and English is essential.
• Certifications: Industry certifications such as ACAMS or ICA are considered a strong advantage.

Behavioural Traits & Skills

• Highly Flexible & Broad‑Minded: Thrives across a diverse range of tasks and responsibilities. You are comfortable pivoting between strategic projects and operational demands without losing focus or quality.
• Proactive, Self‑Motivated & Solutions‑Oriented: A self‑starter with a positive, can‑do attitude. You anticipate potential issues, take initiative, and drive results with minimal supervision.
• Analytical Thinking & Attention to Detail: Strong analytical skills with an ability to assess risk and identify patterns with meticulous attention to detail.
• Effective Time Management & Prioritisation: Able to manage multiple tasks and projects simultaneously, balancing urgent operational matters with long‑term strategic objectives while meeting deadlines.
• Clear and Effective Communicator: Able to explain complex regulatory topics clearly to diverse stakeholders, ensuring alignment with company policies and procedures.
• Commitment to Continuous Learning & Knowledge Sharing: A genuine willingness to stay current with the latest AML and financial crime trends, regulations, and best practices — and to actively share that knowledge to help upskill those around you.
• Commercial Mindset & Balanced Risk Approach: Able to put the customer first and understand business objectives while maintaining an appropriate risk‑based approach. You have the confidence and resilience to push back when facing pressure from the commercial side of the business.

Benefits

• Flexible on‑site policy: 4 days per month remote (non‑accumulative) and 3 full weeks remote per year (non‑consecutive)
• Lunch 60% funded by Spendesk (Swile Card)
• Alan Premium health insurance
• A Gymlib pass to let off steam after a productive day at work
• Access to Moka.care for emotional and mental health wellbeing
• Latest Apple equipment
• Great office snacks to fuel your day
• A positive team to work with daily!

Diversity & Inclusion

At Spendesk, we’re committed to fostering an environment where all differences are encouraged, supported and celebrated. We’re building our culture for everyone, with everyone. Our goal is to attract and build a diverse, equal and inclusive team, where everyone feels welcome and we truly embrace and encourage people from all backgrounds to apply.