Onboarding and KYC Specialist

Our Mission

We're making cash management easy and rewarding

Spiko is a Paris-based fintech, founded in 2023 by Paul-Adrien Hyppolite and Antoine Michon .

We empower businesses of all sizes to access the best cash management products that are usually reserved for large corporations and institutional investors. Our products are available through a web app, via API, or through a growing network of distribution partners. Unlike banks, which tend to offer rigid products, our solutions are straightforward, transparent, and incredibly flexible.

Hundreds of companies trust us to collectively manage hundreds of millions of euros through our platform.

The role: Onboarding & KYC Specialist

As an Onboarding and KYC Specialist, you'll own the end-to-end investor onboarding journey, from first document review to account activation, across multiple European markets with different regulatory frameworks and documentation standards.

You'll be accountable for two things: the client experience (how fast and smooth the onboarding feels from the investor's perspective) and compliance quality (how rigorously our KYC policies are applied).

You'll be the one making sure every new client gets through the door smoothly, applying our KYC procedures with rigour while delivering a frictionless experience. You'll also actively leverage AI and automation to streamline verification workflows and scale onboarding without compromising on compliance quality.

You will be a member of our Customer Success team. You'll work hand in hand with our Compliance team who set the policies and handle escalated cases, your focus is on executing those processes flawlessly at scale.

Key Responsibilities

Investor Onboarding & KYC Execution

• Manage the onboarding of investors (retail, corporate, institutional) distributed via Spiko Finance or third-party partners, across several European markets (France, and expanding).
• Conduct first-level KYC checks for both individuals and legal entities: review of identity documents, beneficial ownership structures, source of funds, and risk scoring, following the procedures defined by the Compliance team.
• Handle the review and approval of investor documents within the app, including bank account verification and documentation checks tailored to the investor's risk level and transaction size.
• Maintain ongoing due diligence by monitoring client documentation (periodic reviews, document renewals) and flagging anomalies or suspicious patterns to the AML team for further investigation.
• Investigate complex or high-risk cases with the Compliance team, providing clear context and preliminary analysis to facilitate decision-making.

Onboarding Process Improvement

• Identify bottlenecks in the onboarding journey (drop-offs, document back-and-forth, approval delays) and propose actionable improvements to reduce friction and time-to-activation.
• Work closely with Product and Engineering to enhance onboarding tools, leverage AI for document extraction, identity verification, and risk screening, and automate repetitive manual checks to increase throughput while maintaining compliance standards.
• Document and standardize onboarding workflows to ensure consistency and scalability as the client base grows.
• Contribute feedback to the Compliance team on the practical applicability of procedures, helping bridge the gap between regulatory requirements and operational reality.

Who we're looking for

Requirements (must-haves)

• Experience: 1 - 3 years in an onboarding, KYC operations, or client-facing compliance role, ideally within financial services, fintech, or a regulated environment. Hands-on experience reviewing corporate documentation is a strong plus.
• Skills: you're structured, meticulous, and comfortable reviewing complex documentation (corporate structures, identity documents, source of funds). You know how to manage a pipeline of dossiers without letting things slip.
• Market: comfortable working across multiple European jurisdictions with varying KYC/AML requirements. Experience in fintech or banking is a plus - what matters most is a genuine interest in financial services and a willingness to navigate different regulatory environments.
• Mindset: you're highly rigorous and take ownership of your work. You see onboarding not as an administrative task but as the first impression clients have of Spiko.
• Autonomy: you're proactive, reliable, and able to manage your pipeline independently while knowing when to escalate.
• AI & tools mindset: you're curious about how AI can improve KYC and onboarding operations - whether it's automating document checks, flagging anomalies, or reducing manual back-and-forth. You don't need to be technical, but you're eager to experiment and push for smarter workflows.
• Languages: fluent in French (native level) with excellent written skills, and professionally proficient in English.

Nice to have

• Any additional European language (Spanish, Italian, German...) is a strong plus.

What we offer

• Competitive package: €40k - €50k salary + competitive stock options
• Hybrid work - Remote friendly (2 days per week & 1 full week per month)
• Health insurance (Sidecare) - 100% covered by Spiko
• The best tech for your job: latest-generation laptops and industry-leading software
• Office: in central Paris
• Health insurance: 100% covered by Spiko
• Monthly Budget to cover different perks of choice
• Transport: 50% of public transport pass covered or the Forfait Mobilités Durables (FMD)
• Referral Bonus
• Social life: regular afterworks and biannual offsites

Our hiring process

1. Screening interview - 30 min with Nathalie, Talent Acquisition
2. Hiring Manager interview - 30 min via video call or in-person
3. Business Case: To work on at home and present online or in person
4. Final in-person Interviews with the Founders
5. Reference Check: we'll reach out to your references to gather further insights
6. Offer

At Spiko, we hire for what you can bring - your skills, your judgment, your drive - not for what you look like, where you come from, or what your background is. We're committed to building a team that reflects the breadth of the customers we serve, and to creating an environment where everyone can do their best work. If something in this job description doesn't match your background perfectly but you believe you'd thrive in the role, we encourage you to apply anyway. Tell us why.

Département Customer Sucess Locations Paris office Remote status Hybrid