Risk and Fraud Officer

3 нед. назад

ФранцияHybrid

kycamlfraud_detectionrisk_management

Responsible for analyzing transactions to identify and prevent fraud in a fast-growing Buy Now Pay Later financial service company.

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.

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.

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.

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).
Conduct thorough investigations of suspicious cases (identity fraud, document fraud, AML/CFT schemes)
Make informed decisions even with incomplete information
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
Produce reports to identify emerging fraud trends
Contribute to continuous improvement of control processes
Work closely with Fraud & AML, Customer Operations , and other Alma teams
Act as the risk contact for consumers throughout the lifecycle of their transactions