Head of Operations – Financial Services

Pennylane

Lead operations and compliance for a financial services team at a fast-growing fintech supporting SMEs and accountants. Oversee KYB, transaction monitoring, fraud, and credit operations.

Posted 5/19/2026full-timeParis • 🇫🇷 FranceLeadWebsite

About the role

Key responsibilities & impact

Build and lead three teams of analysts (KYB, Transaction Monitoring, Risk & Fraud)
Deploy LCB-FT (AML/CFT) policies and ensure their correct application by your teams
Contribute to KYB and Transaction Monitoring tooling implementation and team training
Optimize team and tooling efficiency by leveraging AI and automating processes while strictly protecting our risk appetite
Work in close collaboration with the Compliance, Fraud, and Risk teams of LoD2
Support license application and customer migration from BaaS to EP
Focus on payments operations (KYB, Transaction Monitoring, Fraud) and on building LoD1 infrastructure
Gradually integrate credit operations as the Société de Financement scope ramps up
Scale LoD1 to support both payments and credit activities across a growing customer base
Build and scale LoD1 from 30k to 300k+ accounts within 24 months post-license
Establish SLAs and performance frameworks for each team
Manage budget and forecasting for LoD1 operations
Deploy and enforce LCB-FT (AML/CFT) policies
Ensure 100% compliance with KYB/KYC workflows
Train LoD1 teams on LCB-FT requirements, tooling, and escalation procedures
Participate in quarterly risk committees

Requirements

What you’ll need

8+ years in financial services operations, ideally in a regulated fintech, bank, or payment institution
3+ years managing LoD1 operations (KYB/KYC, Transaction Monitoring, Fraud & Risk) in a regulated environment
Direct experience with ACPR or a similar EU regulator (AMF, BaFin, FCA)
Proven track record in scaling operations
Hands-on experience implementing and optimizing LCB-FT (AML/CFT) tooling
Experience working under dual reporting (operational + compliance) within a 3 Lines of Defense model
Fluent in French and English

Benefits

Comp & perks

25 paid vacation days from Pennylane
Competitive compensation package
Equity (company shares)
Budget for home office setup
Monthly coworking allowance
Access to 8,000 fitness locations across Europe via Gymlib
Latest Apple equipment
Remote work options within Europe (subject to time zone restrictions)
Company events such as Tech Days and an annual seminar
Additional perks for employees based in France: 6 to 12 RTT (reduction in working time days), 5 weeks additional PTO, lunch credits (Swile), Alan Blue health coverage, and regular events in key cities

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

AMLCFTKYBKYCTransaction MonitoringFraud ManagementRisk ManagementOperations ScalingTooling ImplementationProcess Automation

Soft Skills

LeadershipCollaborationTrainingBudget ManagementForecastingPerformance ManagementCompliance EnforcementAnalytical ThinkingProblem SolvingCommunication