I'm a Backend Engineer in Banking squad of Regate by Qonto.

Maxmiliano Braga

Backend Engineer

Our mission? Making day-to-day banking easier for SMEs and freelancers thanks to an online business account that's combined with invoicing, bookkeeping and spend management tools. Thanks to its innovative product, highly reactive 24/7 customer support and clear pricing, Qonto has become the leader in its market. Our journey:&nbsp;Founded by <a href="https://www.linkedin.com/in/aprot/" rel="noopener noreferrer" target="_blank" style="color: inherit;">Alexandre</a>&nbsp;and&nbsp;<a href="https://www.linkedin.com/in/steveanavi/" rel="noopener noreferrer" target="_blank" style="color: inherit;">Steve</a> in July 2017, Qonto has rapidly gained trust, serving over 500,000 customers. We also made it to the <a href="https://www.linkedin.com/pulse/top-companies-2023-les-25-entreprises-o%C3%B9-acc%C3%A9l%C3%A9rer-1c" rel="noopener noreferrer" target="_blank" style="color: inherit;">LinkedIn Top Companies</a> French ranking! Our values:Customer focus | Prioritize customers in everything you doOwnership | Own your part, get things doneTeamwork | Make (team)work easyMastery | Continuously raise the barIntegrity | Always do what’s right, and respect people You can find out more about the&nbsp;Qonto Way&nbsp;<a href="https://medium.com/qonto-way/our-manifesto-aa81b56a94c4" rel="noopener noreferrer" target="_blank" style="color: rgb(150, 151, 153);">here</a>. Our beliefs:&nbsp;At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 50% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.<a href="https://medium.com/qonto-way/a-recruiters-dilemma-confronting-bias-in-hiring-b78acce148eb" rel="noopener noreferrer" target="_blank">Discover the steps we took to create a discrimination-free hiring process</a>.

Qonto

If your referral is hired by Qonto, 500€ will be donated in your name to the NGO of your choice!

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Our mission? Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe’s leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance. Our journey: Founded by <a href="https://www.linkedin.com/in/aprot/" class="postings-link">Alexandre</a> and <a href="https://www.linkedin.com/in/steveanavi/" class="postings-link">Steve</a> in July 2017, Qonto has rapidly gained trust, serving over 500,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the <a href="https://www.linkedin.com/pulse/top-companies-2023-les-25-entreprises-o%C3%B9-acc%C3%A9l%C3%A9rer-1c" class="postings-link">LinkedIn Top Companies</a> French ranking! Our values:Customer focus | Prioritize customers in everything you doOwnership | Own your part, get things doneTeamwork | Make (team)work easyMastery | Continuously raise the barIntegrity | Always do what’s right, and respect people Our beliefs: At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 50% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality. <a href="https://medium.com/qonto-way/a-recruiters-dilemma-confronting-bias-in-hiring-b78acce148eb" class="postings-link">Discover the steps we took to create a discrimination-free hiring process</a>. The AML/CFT team, referring to the Operations department, performs operational controls to ensure our client base is not exposed to Money-laundering or Terrorist Financing risks. You will join a team led by <a href="https://www.linkedin.com/in/amilcar-reyes-g/" style="font-size:16px" class="postings-link" rel="noopener noreferrer">Amilcar</a>, our Senior Lead AML/CFT for France, the Netherlands and Belgium. You will perform operational controls to ensure our client base is not exposed to Money-laundering or Terrorist Financing risks. 👩‍💻🧑‍💻As an AML/CFT Officer 🇳🇱 &amp; 🇫🇷 at Qonto, you will: • Analyze the relevance of our client's financial flows regarding their activities;• Communicate with the customers and counterparts in order to obtain key information;• Control the KYC and KYB processes in case of an alert from the onboarding team along with the PEP (Politically exposed person) or SL (Sanctions lists). 🤔 What you can expect: • A great team of 45+ AML Officers;• Responsibilities and decision-making;• Hyper-growth &amp; international environment; 🤝 About your future manager: Their Path: Before joining Qonto, Amilcar gained valuable experience as a commercial lawyer in his native Panama.  After completing a Master’s in Financial Regulation and Risk Management at SciencesPo - Paris, he made a career transition to the neo-banking industry. Amilcar has been part of Qonto for four years, currently leading the AML team for France, The Netherlands, and Belgium. What They Bring to You: Amilcar is devoted to sharing the knowledge he has acquired from his diverse experiences and studies. He is approachable, values open communication and teamwork, and is committed to supporting the development of his team. He aims to help them enhance their skills and achieve their professional goals in a collaborative and positive environment. 🏅About You: • Experience: You have a first experience and up to 2 years as an AML/CFT officer or Fraud Analyst/Investigator;• Problem-solving: You have been trained in problem-structuring and analysis in a consulting firm or bank for at least 6 months;• Analytical mindset: You are comfortable with numbers and have a good command of Excel for a day-to-day use;• Organizational skills: You are extremely rigorous and curious;• Synthesis: You have a capacity for synthesis and know how to look at the big picture of your subjects;• Languages: You are fluent in Dutch, English and French, written and spoken. Another European language is nice to have. Qonto is an open-minded company. Don’t tick all the boxes? Apply and we’ll let you know if we think you could fit the role. You never know ☺️

🎁 Perks A tailor-made and dynamic career track. An inclusive work environment. And so much more to help you succeed. - Offices in Paris, Berlin, Milan, Barcelona, and Belgrade;- Tailor-made remote work policy depending on the job you apply for and where you live;- Competitive salary package;- A meal voucher;- Public transportation reimbursement (part or global);- A great health insurance (depending on the country);- Employee well-being initiatives: access to <a href="https://www.moka.care/" class="postings-link">Moka Care</a> to take care of your mental health and great offers for sports and wellness activities;- A progressive disability and <a href="https://medium.com/qonto-way/work-perks-qontos-talent-philosophy-d25beb044e80">parenthood policy</a> (1 in 6 of Qonto employees is a parent!) and childcare benefits with selected partners;- Monthly team events. 💬 Our hiring process: - Interviews with your Talent Acquisition Manager and future managers- A remote exercise to demonstrate your skills and give you a taste of what working at Qonto could be like Find more information about our interview process on our <a href="https://qonto.com/en/careers/candidate-journey" style="font-size:16px">careers website</a>.On average, our process lasts 20 working days and offers usually follow within 48 hours 🤞 To learn more about us:<a href="https://medium.com/qonto-way" class="postings-link">Qonto's Blog</a> | <a href="https://www.muypymes.com/2023/05/31/qonto-solucion-reembolso-gastos-pymes" class="postings-link">Muy Pymes</a> | <a href="https://forbes.es/ultima-hora/370789/qonto-y-finutive-crean-la-primera-empresa-de-forma-100-digital-en-espana/" class="postings-link">Forbes.es</a> | <a href="https://www.europapress.es/economia/finanzas-00340/noticia-qonto-alcanza-400000-clientes-europa-completar-integracion-neobanco-aleman-penta-20231128111736.html" class="postings-link">Europa Press</a> To know how your personal data will be processed during your application process or to request its deletion, please <a href="https://qonto.com/en/legal-documents/privacy-notice" class="postings-link">click here</a>.

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Join our Corporate team at Qonto, where we're dedicated to fostering the ideal conditions for our company's growth and operational excellence.

🤝 The Corporate department partners and works hand-in-hand with other teams to create the best conditions for Qonto's growth. They establish internal processes and define the way in which the company functions.

👥 In the Corporate team, you'll work with highly committed and service-oriented people who represent the core functions that drive Qonto's growth and success.

🌟 Our team of 200+ talents includes HR, Risk & Compliance, Legal, Finance, and Strategy experts.

Corporate

Join the Growth team and help us position Qonto as the top-of-mind business banking & finance platform for SMEs, startups & freelancers. Be at the forefront of moving Qonto upmarket to become a well-known, trusted product with ambitious growth targets!

🚀 The Growth team increases MRR (Monthly Recurring Revenue) through data, experimentation, and close collaboration with the Product and Tech team.

💼 In the Growth, Sales, Marketing & Communication team, you'll work with talented people who know how to boost revenue in a hyper-competitive business environment.

👩‍💼 Our team of 250+ talents includes specialists who work in harmony with both our regional teams in sales and marketing and our central teams such as SEO, CRM, growth engineering, content, brand, and PR and communications.

Growth

Are you passionate about making a difference? We're seeking enthusiastic and dedicated individuals to join our Operations & Customer Success team. This is a unique opportunity to contribute to our mission of delivering exceptional service to our valued customers. Join us in transforming the banking experience and making it more effortless and user-friendly - Join Qonto!

🌟 As a part of our Operations & Customer Success team, you play a critical role in providing unparalleled service to our customers. Your role extends beyond customer interaction, encompassing the fluidity of internal processes and maintaining utmost security, especially in back-office operations and fraud prevention.

🌍 Joining our team means becoming a key player in a diverse, multinational team committed to elevating customer experience to new heights. We strive to make Qonto the best choice for our customers, and your role is instrumental in this journey.

👨‍👩‍👧‍👦 We are a family of 320+ talents with expertise that spans across every facet of the customer journey, from onboarding to hearing the voice of the customer. We operate from our vibrant hubs in Barcelona, Belgrade, and Paris, and we're excited for you to bring your unique abilities to our team.

Operations

Our Product & Design team is dedicated to crafting special digital experiences and pushing the boundaries of what's possible.

🚀 Our Product People focus on creating the best features possible. Features that add true value through top-class engineering, design, and operational expertise.

🎨 In the Product & Design team, you'll be guided and up-skilled by specialists with a solid track record of building successful, large-scale business and consumer products.

👥 Our team of 150+ talents includes Product Managers, Product Designers, Brand Designers, UX Writers, and Product Marketing Managers.

Product

We are first engineers and then developers. At Qonto, you will contribute to the decision-making process for new projects or features, working closely with the Tech and Product team. You will be given time to craft your best implementation, with the support of highly skilled colleagues from whom you can learn every day.

💡 The Tech & Data team crafts smooth and efficient user experiences, highly scalable APIs, and robust banking services. The end goal? To build the best product, strengthen our data platform, and ultimately develop the finance solution that will energize Europe's SMEs and freelancers.

👩‍💻 About our team: Our Tech and Data department proudly counts more than 400 international members, including Backend and Frontend engineers, Mobile engineers, SREs, Data, IT, and Security experts. Our engineers actively participate in discussions regarding the product's direction, manage our ever-growing user base needs, and deliver high-quality products in a fast-paced environment with strong ownership.

⚙️ About our technical stack: our primary languages are Python, Golang and Ruby for Backend, EmberJS (soon React!) for Frontend, and Kotlin and Swift for our mobile apps. Our platform runs on a Kubernetes cluster hosted on AWS, with PostgreSQL as our database of choice. We're also using Kafka for our event-driven architecture and ELK for logging and auditing, among many other tools, services, and applications. Additionally, our data team harnesses a state-of-the-art modern data stack, seamlessly integrating Airflow, Snowflake, DBT, Tableau, Scikit-learn, and XgBoost.

AML/CFT Officer - Dutch and French Market

Qonto

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