Lead KYB

Pennylane is building Pennylane Financial Services and applying for Établissement de paiement and Société de financement licenses. As Lead KYB, you will own operational execution of KYB/KYC processes for business customers across the payment scope first, and progressively across credit-related activities. Your mission will be to build, structure and scale the KYB team, processes and tooling needed to absorb ~10,000 onboardings per month at go-live, while ensuring robust AML/CTF compliance, operational efficiency, and a high-quality customer experience.

Responsibilities

Own end-to-end KYB/KYC operational execution for business customers; Ensure application of AML/CTF policies (customer risk classification, beneficial ownership checks, PEP and sanctions screening, high-risk customer reviews, escalations); Review and approve complex or high-risk KYB cases; Maintain auditability of KYB decisions; Recruit, onboard, train and manage KYB analyst team; Define team structure, SLAs, productivity/quality metrics, backlog monitoring and capacity planning; Translate regulatory policies into operational procedures, SOPs, decision trees and analyst playbooks; Standardize and scale KYB processes; Contribute to KYB tooling, automation and back-office workflow optimization with Product/Tech; Implement QA framework and reporting; Act as main operational point of contact for KYB; Collaborate with Compliance, Risk, Fraud, Product, Tech, Customer Support and Finance teams

Requirements

5+ years of experience in KYB/KYC, compliance operations, risk operations or financial services operations; Experience in a regulated environment such as a fintech, bank, payment institution, EMI or BaaS / embedded finance provider; Proven experience managing or coordinating operational teams in a high-volume environment; Strong exposure to AML/CTF requirements and business customer onboarding; Experience translating policies into operational processes, SOPs and analyst guidance; Hands-on experience with KYB tooling, back-office tools or workflow automation; Experience working with Product / Tech teams on tooling or process improvements; Strong understanding of KYB/KYC workflows for business customers (legal entity verification, UBO identification, document review, risk classification, PEP / sanctions screening, high-risk escalation); Good knowledge of French and European AML/CTF frameworks, including ACPR, TRACFIN and FATF expectations; Ability to design scalable operational processes and performance frameworks; Data-driven approach: comfortable using operational metrics, dashboards and analytics to manage performance; Strong process mindset: able to identify inefficiencies, structure workflows and improve quality at scale; Good judgment in balancing compliance, customer experience and operational efficiency; Ability to contribute meaningfully to tooling design, testing and implementation; Rigorous, structured and accountable; Strong leadership and coaching skills; Excellent communication with operational teams, Compliance, Product, Tech and senior stakeholders; Pragmatic and solution-oriented, able to operate under regulatory constraints without creating unnecessary friction; Comfortable in a greenfield environment with ambiguity, high autonomy and fast execution; Strong pedagogy: able to translate complex regulatory or operational topics into simple, actionable guidance; Customer-conscious: attentive to onboarding friction and customer impact while preserving risk standards; Fluent French and English are mandatory

Nice to have

Experience with ACPR expectations; Licence applications; Audits; BaaS migrations; Credit-related onboarding

Benefits

Greenfield regulatory project; Massive impact; High autonomy; Strategic exposure; Modern fintech environment; Competitive compensation package including equity components; 25 vacation days paid by Pennylane; Company shares; Home workspace budget; Monthly allowance to work from a coworking space; Gymlib access to 8000 fitness spaces and 300 wellness activities; Latest Apple equipment; Remote from country of residence in Europe within 2 hours time difference; Company events such as Tech Days and annual seminar; French contract perks: 6 to 12 RTT, 5 weeks PTO, lunch credits (Swile), Alan Blue healthcare, local events