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Pennylane is a fast-growing French fintech (€400M raised, 1000+ employees) building a financial operating system for SMEs and accounting firms. The company is expanding into financial services, applying for payment institution and financing company licenses to launch its own regulated entity by early 2027.
As Lead KYB, you will be one of the first operational leaders in a greenfield compliance and risk setup, reporting to the Head of FinCrime Operations. You will own end-to-end KYB/KYC execution for business customers across payment services initially, expanding to credit activities as the financing scope grows. The role targets ~10,000 onboardings per month at go-live.
Key responsibilities include:
**KYB Operations & Compliance**: Own operational execution of KYB/KYC workflows, ensure proper application of AML/CTF policies (customer risk classification, beneficial ownership checks, PEP/sanctions screening, high-risk reviews), review complex cases, maintain auditability, and ensure continuity during the transition from the current BaaS model to Pennylane's own licensed entity.
**Team Leadership**: Recruit, onboard, train and manage the KYB analyst team. Define team structure, roles, responsibilities and escalation paths. Build performance frameworks (SLAs, productivity/quality metrics, backlog monitoring, capacity planning). Prepare the team to scale toward high-volume onboarding and foster a culture of rigor, accountability and continuous learning.
**Process Design & Standardization**: Translate regulatory policies into clear operational procedures, SOPs, decision trees and analyst playbooks. Standardize KYB processes for consistency and scalability. Identify workflow bottlenecks and propose improvements. Balance compliance rigor with operational efficiency. Define how KYB processes evolve during migration from Swan's model to Pennylane's own LoD1 setup.
**Tooling & Product Collaboration**: Contribute to implementation and optimization of KYB tooling and back-office workflows. Work closely with Product and Tech teams to design efficient analyst interfaces. Test KYB tooling from an operational perspective. Identify automation opportunities for repetitive tasks.
This is a high-autonomy role with direct exposure to a strategic regulatory project, close collaboration with Product, Compliance and Risk teams, and the opportunity to shape the operating model of a fast-growing fintech serving hundreds of thousands of French SMEs.
