Sobre este puesto de Risk and Fraud Officer en Alma

Alma · Presencial · Lille, Nord, France

About Alma

Alma is the French leader in Buy Now Pay Later (BNPL), operating in 10 European countries. Our mission is to put finance back at the service of merchants and consumers, not the other way around.

Today:

23,000+ active merchants
9 million consumers served
4.8/5 on Trustpilot
A fast-growing team ensuring every transaction is secure, fair, and smooth

You will join a dynamic Consumer Risk team, protecting Alma against fraud while helping merchants and consumers have a reliable experience.

About the role

As a Risk & Fraud Officer, you will be on the front line of fraud prevention at Alma.

Every day, our automated systems flag hundreds of transactions. Your role is to analyze them in depth and make informed decisions: approve, block, or request additional documents.

Daily activities include:

Reviewing identity scoring results: fake documents, liveness checks
Investigating alerts triggered by internal fraud rules
Detecting known fraud patterns emerging after transactions

Your goal: identify high-risk transactions before any default occurs.

This role is based in Lille, with 2 days of remote work per week.

Occasional weekend shifts may be required (approximately twice per quarter).

Key responsibilities

🔍 Investigations & fraud detection

Conduct thorough investigations of suspicious cases (identity fraud, document fraud, AML/CFT schemes)
Make informed decisions even with incomplete information

📋 KYC & compliance controls

Detect fraudulent documents as part of KYC / KYB verification
Manage PEP and sanctions list checks: identify cases, verify homonyms, ensure timely and high-quality processing
Perform first-level quality checks (L1) on cases handled by the team

📊 Monitoring & reporting

Produce reports to identify emerging fraud trends
Contribute to continuous improvement of control processes

🤝 Cross-team collaboration

Work closely with Fraud & AML, Customer Operations, and other Alma teams
Act as the risk contact for consumers throughout the lifecycle of their transactions

About you

You would be a great fit if you:

Are rigorous and investigative — you follow every case until you understand it
Can make autonomous decisions using analysis and established procedures
Have a genuine interest in fraud prevention and fintech
Are adaptable and resilient — processes and fraud techniques evolve quickly
Have strong written communication skills in French and English

A first experience in fraud operations, risk management, compliance, or fintech is a plus.

Why join Alma

Offices in Paris (10th arrondissement) and Lille – Euratechnologies
Health insurance fully covered for you and your family
Meal vouchers (Swile)
Sustainable mobility package
Regular team events and internal talks

Recruitment process

The process includes:

Introductory interview with Talent Acquisition
Online test
Interview with Team Leads/Experts and case debrief
Team fit interview with Consumer Risk team members

¿Listo para postularte en Alma?

Postúlate en Alma

Sobre Alma

At Alma, we are convinced that trade must be well balanced to be sustainable. Because finance has a key role in business, our mission is to put it back in its rightful place : at the service of merchants and consumers!

That’s why we create financial products that empower merchants to sell more, and help consumers purchase better products while never encouraging them to get over-indebted.

Our tech solutions are accessible to all, easy to implement, and that eliminate purchase friction.

For merchants, our instalment and deferred payment solutions are excellent ways of increasing customers' loyalty and satisfaction, as well as generating up to 20% extra sales revenues without any risk.

For consumers, the purchase experience is enhanced (4.8/5 on Trustpilot) and Alma helps them handle their budget easily. They pay later, Alma pays the merchants right away.

We are the leader in France and are on track to win the European market on the (very) powerful Buy Now Pay Later (BNPL) industry, as we’re now processing payments in 10 European countries. Over the past 5 years, more than 16 000 merchants have chosen Alma to be their innovative BNPL solution, and we have served over 5 million consumers.

The team has grown from 2 to 300+ people, we raised a €115M series C early 2022 to help us accelerate further and Alma is already part of the French Tech 120 ranking of the most promising French technology companies. And that's only the beginning.