Regulatory Reporting Intern

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, https://www.trustpilot.com/review/qonto.com based on 55,000+ reviews. Our culture https://qonto.com/en/careers/culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here https://medium.com/qonto-way/the-qonto-way-our-culture-is-our-strategy-90defd4895f9).

Our journey: Founded in 2017 by Alexandre https://www.linkedin.com/in/aprot/ and Steve https://www.linkedin.com/in/steveanavi/, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started.

Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process https://medium.com/qonto-way/a-recruiters-dilemma-confronting-bias-in-hiring-b78acce148eb because the best teams are built on merit.

AI at Qonto: AI is deeply embedded in how we work (here https://medium.com/qonto-way/ai-at-qonto-vision-statement-725a7e2f659b)

• Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it.

------------------------------------------------------------------------------------------------------

Join us as a Regulatory Reporting Intern to help produce and submit the reports Qonto owes its banking supervisors across its 8 European markets, keeping them accurate, on time, and increasingly automated with AI. You'll join the Regulatory team inside Risk & Compliance, reporting to Vincent, our Regulatory Reporting Lead. As Qonto moves toward a full credit-institution license, the number and scope of reports keeps growing. This is a role where rigor and curiosity count for more than prior regulatory knowledge; we'll train you on the rest.

➡️ As a Regulatory Reporting Intern at Qonto, you will:

• Produce regulatory reports end to end: Follow established procedures to build and submit monthly and quarterly reports to European supervisors across all 8 markets, including FICOBA (France), Fichero de Titularidades (Spain), and Payment Statistics (Central banks in our 8 markets).
• Use AI every day: Build small LLM-powered bots and lean on Claude to work faster, from drafting and improving procedures to handling exchanges with external software providers.
• Make our data audit-ready: Take SQL queries already written in Metabase and Snowflake and, with AI's help, document and comment them so each step is tied to the regulation behind it, even if you've never written SQL yourself.
• Run quality control: Check regulatory data for anomalies and gaps, working with our Data team, our main data supplier, to fix issues before a report goes out.
• Improve how we work: Contribute to an ongoing audit of every reporting procedure (a 6-month project already underway), help sharpen our Regulatory Reporting Cockpit, and own small improvement projects start to finish.

➡️ What you can expect:

• An AI-first team, for real: You'll get access to advanced AI tooling and you're expected to experiment. Building bots and automating reporting work is part of the job, not a side project.
• European scope: 8 markets, several filings per country per month, plus new markets as Qonto expands
• A seasonal rhythm: Peak filing months (January, April, July, October) are intense; quieter months go to improvement work and new-regulation analysis (e.g. IFREP).
• Real ownership, fast: Vincent gives space and responsibility once you've shown you can run a report cleanly.
• Hybrid work: 3 days in the office, 2 days remote.

➡️ About You:

• Curious and ready to learn, and it shows in what you've done: side projects, a change of direction, anything that shows you go after things.
• A well-structured mind: M1 or M2 (M2 preferred), ideally in finance, accounting, risk, business administration, or data analysis with a finance/regulatory focus. A sharp, structured thinker matters more than the exact program.
• Strong attention to detail: numbers that always tie out, small errors caught before anyone else notices, work double-checked without being asked.
• Comfortable with AI: No technical background needed, no fear of reading code, just genuine daily use of AI tools to work smarter.
• Calm under deadline pressure: Late reports have real consequences with regulators, including fines and, in extreme cases, license impact, so we need someone autonomous and level-headed when timelines are tight.
• Languages: Fluent English required. French, Italian, Spanish or German is a plus.

➡️ About your future Manager:

Your manager will be Vincent, our Regulatory Reporting Lead, hands-on in report production himself alongside the team.

• His background? Vincent managed regulatory reporting at Rothschild, focused on treasury and asset-liability management at GE Capital, and spent five years as a Senior Consultant at Wolters Kluwer guiding financial institutions through regulatory compliance, before joining Qonto in 2022.
• What he brings to the team? A direct, frank style focused on continuous improvement. He hands over real responsibility once things are working, gives you room to run, and helps you make sense of a dense regulatory landscape without drowning you in it.

At Qonto, we understand that true diversity isn’t just about ticking boxes on a hiring checklist. Apply regardless of the boxes you tick — who knows? You may have the missing piece of the puzzle we’ve been searching for all along.

By applying, you agree that Qonto processes your personal data to assess your application. Your data is kept for up to 2 years in our candidate pool. Read our Privacy Notice https://qonto.com/en/legal-documents/privacy-notice for full details.

------------------------------------------------------------------------------------------------------

On average, our hiring process lasts 20 working days. More information on our candidate journey here https://qonto.com/en/careers/candidate-journey

------------------------------------------------------------------------------------------------------

🔒 Your security matters to us

Recruitment scams are on the rise. Keep in mind, we will never work with third-party platforms or agencies that request payment from candidates.

If you receive a suspicious message claiming to be from Qonto, please report it right away (support@qonto.com)