Risk and Fraud Officer

almapay.com; Lille; Hybride; EUR 42 000 - 62 000; Plein temps

Avantages offerts par ce poste

Health insurance

Meal vouchers

Sustainable mobility package

Team events

Résumé du poste

Alma is seeking a Risk & Fraud Officer in Lille to join the Consumer Risk team. You will be at the front line of fraud prevention, reviewing hundreds of transactions daily, and making informed decisions to approve, block, or request documents.

The role requires rigorous investigation, autonomous decision-making, and strong written communication in French and English. Hybrid work with two remote days per week is offered, with occasional weekend shifts.

Qualifications

• You are rigorous and investigative and follow every case until you understand it.
• You can make autonomous decisions using analysis and established procedures.
• You have a genuine interest in fraud prevention and fintech.

Responsabilités

• Investigations & fraud detection: analyze alerts, identify fraud patterns, and determine actions.
• KYC & compliance controls: verify documents, check PEP and sanctions, perform quality checks.
• Monitoring & reporting: produce fraud trend reports and improve control processes.
• Cross-team collaboration: work with Fraud & AML, Customer Operations, and Alma teams.

Connaissances

Rigorous

Investigative focus

Autonomous decision-making

Fraud prevention interest

Bilingual French/English

Description du poste

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:

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