Head of Regulatory Compliance

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. Define the path and deliver it.
• Enable compliant product launches: Partner with Product & Strategy teams to design and ship new credit & savings products. 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 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. Experience with Credit Institution license requirements.
• Team leadership at scale: Proven experience leading compliance teams and scaling an operating model in an international, multi‑stakeholder context.
• Regulator engagement: Experience owning supervisory deliverables — remediation plans, action plans, regulatory examinations. Comfortable being the face of compliance with authorities.
• Business partnership: Translate complex regulatory requirements into clear decision frameworks for Product and Business teams. 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 will 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: 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 will have the tools and mandate to rethink how regulatory work gets done.