Financial Settlement Controller - CDD - From July 2026

• →Build the SAP reconciliation engine: Configure and run reconciliation workflows in SAP for CBS transactions across CB, SWIFT, SDD and card payment rails.
• →Own end-to-end CBS reconciliation: Drive the full cycle, coordinate with Treasury, Bank Operations and Ledger, and resolve second-level discrepancies directly with them.
• →Monitor internal, suspense and operational accounts: Track openings and closures of internal bank accounts, and prevent backlogs through structured prioritization — no matter the volume pressure.
• →Contribute to the new ERP rollout: Support Finance in defining the accounting allocation rules of CBS transactions as part of our ERP project.
• →Be the finance reference for operational changes: Any product launch, new banking partnership or regulatory change impacting the CBS lands on your desk first.

• 5+ years in banking reconciliation: Hands-on experience reconciling banking transactions in a regulated environment — not generalist accounting.
• SAP / ERP implementation: You've configured reconciliation processes in SAP, not just operated a finished system. You can speak to a project where you set the rules.
• Payment systems fluency: Working knowledge of CB, SWIFT, SDD and card payment rails. You understand what flows through each and where reconciliation usually breaks.
• Build mindset: You're at ease in an environment where processes don't yet exist. You'd rather design and document a clean process than inherit one.
• Languages: Fluent English for cross-team coordination. French strongly preferred for our French banking environment and partner interactions.

• A defining moment to join: You'll build the reconciliation processes that will run Qonto's future bank, not maintain processes that already exist.
• A small team with real ownership: You'll partner directly with Roberta on the operational side and sit at the heart of how money moves across Qonto — with Treasury, Bank Operations and Ledger on speed dial.
• Tools that matter: SAP for reconciliation, our Core Banking System, and the live payment rails (CB, SWIFT, SDD, cards) running our customer transactions.
• Cross-functional exposure: A direct interface with Product & Tech whenever an operational change (product launch, banking partnership) hits the CBS — you'll see how a bank's reconciliation engine connects to its core systems.

Your manager will be Garance Ricou, our Lead General Accountant.

• Her path? Garance built her accounting foundations in private banking at UBS, where she managed accounting teams and complex financial projects before joining Qonto.
• What can she bring to the team? Garance leads with autonomy and structured problem-solving. She sets direction, shares what she knows, and trusts you to execute — with real ownership of your scope.