Overview

In this role you validate complex KYC/KYB cases for the Spanish market, ensuring strict Banco de España compliance. You will analyze corporate structures, ownership and onboarding documents, collaborating with AML and Fraud teams to ground decisions. You’ll engage with clients to clarify requirements while maintaining a positive customer experience. This is a meaningful, non-routine position where your work directly supports compliant onboarding at scale, helping Qonto grow in Spain.

Responsabilidades

- Validate complex customer and company profiles, including corporate structures and beneficial ownership, to make compliant onboarding decisions
- Review KYC/KYB documentation across the customer lifecycle (passports, DNIs, cert. de denominación, financial statements, address proofs) including non-EU shareholders
- Communicate with Spanish clients to unblock cases, request missing documents, and explain regulatory requirements clearly
- Collaborate with Anti-Financial Crime, AML,



and Fraud teams on exceptions, escalations, and risk signals
- Identify bottlenecks and propose process improvements to reduce lead time (target 15 hours per validation) while maintaining 99.5% quality

Requisitos principales
- Customer operations experience in KYC/KYB, customer care, compliance, fintech, banking, or regulated operations
- Analytical rigour with ability to review complex legal documents and make structured decisions
- Fluent written and spoken Spanish; English as internal language
- Proactive ownership mindset with ability to flag bottlenecks and escalate appropriately
- Ability to prioritise under pressure and manage a queue of complex cases

- Strong communication
- Analytical mindset
- Proactive ownership
- KYC/KYB processes
- Regulatory documentation review
- Banco de España regulatory framework

📌 KYCB Analyst - Spanish Market ðªð - barcelona
🏢 Qonto
📍 Barcelona