Internal Control Officer - Corporate

• →Oversee capital and liquidity compliance: Ensure Qonto meets all solvency and liquidity standards under the credit institution framework — capital risk management, financial resilience requirements, prudential ratios.
• →Execute credit risk controls: Perform controls on credit risk assessment, evaluate counterparty risk, and review mitigation techniques.
• →Monitor market risks: Execute controls on Interest Rate Risk in the Banking Book (IRRBB), FX risk, and Liquidity Risk management.
• →Ensure regulatory reporting accuracy: Perform second-level controls on regulatory reporting and Pillar III disclosures — accuracy and deadlines, no exceptions.
• →Drive remediation: Collaborate with Risk, Regulatory, and Finance (Accounting, ALM & Treasury) to address control findings, improve processes, and ensure corrective actions land on time.

• Audit or control experience in banking: 3-5 years in a Big Four Financial Services/Banking practice or Internal Audit within a traditional bank. You've seen what a credit institution control framework looks like from the inside.
• Banking sector knowledge: Solid background in Credit Institutions with hands-on experience on capital adequacy and credit risk frameworks — COREP, ICAAP, large exposures, not just theory.
• Analytical rigor: You identify control gaps, propose relevant remediation, and challenge the status quo constructively. You don't just flag — you fix.
• Stakeholder management: You're autonomous, rigorous with deadlines, and able to communicate complex findings clearly to senior stakeholders (Leads and Heads across Risk, Regulatory, Finance).
• Languages: Fluent French (mandatory for regulatory documentation) and fluent English.

• Qonto's biggest regulatory milestone: The Credit Institution transition is happening now. Your controls directly secure the license and Qonto's regulatory standing — this isn't business-as-usual internal control.
• Cross-functional exposure at senior level: You'll interact regularly with Leads and Heads across Risk, Regulatory, and Finance. The scope is broad — credit risk, market risk, liquidity, regulatory reporting.
• A specialist team covering diverse risks: You'll join a team of controllers spanning Finance, Legal, and AFC — people who are curious, rigorous, and constantly adapting to new regulations.
• Autonomy with structure: Monthly control plans, kick-offs, and clear frameworks — but you own your deadlines and your stakeholder relationships.

Your manager will be Jérémy, our Senior Lead Internal Control.

• His path? ESTP engineer and IAE Paris-Sorbonne MBA graduate, Jérémy spent 3 years in financial audit at Forvis Mazars (banking department), then 2+ years in internal control at Bpifrance (Risk & Finance). He joined Qonto in 2022 as a Senior Internal Controller, was promoted to Lead, and now serves as Senior Lead — he's built the internal control function from the inside over 4 years.
• What does he bring to the team? A structured approach (monthly control plans, kick-offs) combined with real autonomy. He trusts you to manage your deadlines and stakeholder relationships independently, and he knows the role you're stepping into — he's done every level of it himself.