Risk and Fraud Officer

About Alma

Alma is theFrench leader in Buy Now Pay Later (BNPL), operating in10 European countries. Our mission is to put finance back at the service ofmerchants 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 issecure, fair, and smooth

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

About the role

As aRisk & Fraud Officer, you will be on thefront line of fraud prevention at Alma.

Every day, our automated systems flag hundreds of transactions. Your role is toanalyze 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 transactionsbefore any default occurs.

This role is based inLille, with2 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 ofKYC / KYB verification
• ManagePEP 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 withFraud & AML, Customer Operations, and other Alma teams
• Act as therisk contact for consumers throughout the lifecycle of their transactions

About you

You would be a great fit if you:

• Arerigorous and investigative — you follow every case until you understand it
• Canmake autonomous decisions using analysis and established procedures
• Have a genuineinterest in fraud prevention and fintech
• Areadaptable and resilient — processes and fraud techniques evolve quickly
• Havestrong written communication skills inFrench and English

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

Why join Alma

• Offices inParis (10th arrondissement) andLille – Euratechnologies
• Health insurancefully 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