Risk and Fraud Officer

<h2><strong>About Alma</strong></h2> <p>Alma is the <strong>French leader in Buy Now Pay Later (BNPL)</strong>, operating in <strong>10 European countries</strong>. Our mission is to put finance back at the service of <strong>merchants and consumers</strong>, not the other way around.</p> <p>Today:</p> <ul> <li><strong>23,000+ active merchants</strong></li> <li><strong>9 million consumers served</strong></li> <li><strong>4.8/5 on Trustpilot</strong></li> <li>A fast-growing team ensuring every transaction is <strong>secure, fair, and smooth</strong></li> </ul> <p>You will join a dynamic <strong>Consumer Risk team</strong>, protecting Alma against fraud while helping merchants and consumers have a reliable experience.</p> <h2><strong>About the role</strong></h2> <p>As a <strong>Risk & Fraud Officer</strong>, you will be on the <strong>front line of fraud prevention</strong> at Alma.</p> <p>Every day, our automated systems flag hundreds of transactions. Your role is to <strong>analyze them in depth and make informed decisions</strong>: approve, block, or request additional documents.</p> <p><strong>Daily activities include:</strong></p> <ul> <li>Reviewing identity scoring results: fake documents, liveness checks</li> <li>Investigating alerts triggered by internal fraud rules</li> <li>Detecting known fraud patterns emerging after transactions</li> </ul> <p><strong>Your goal:</strong> identify high-risk transactions <strong>before any default occurs</strong>.</p> <p>This role is based in <strong>Lille</strong>, with <strong>2 days of remote work per week</strong>.</p> <p>Occasional weekend shifts may be required (approximately twice per quarter).</p> <h2><strong>Key responsibilities</strong></h2> <h3><strong>🔍 Investigations & fraud detection</strong></h3> <ul> <li>Conduct thorough investigations of suspicious cases (identity fraud, document fraud, AML/CFT schemes)</li> <li>Make informed decisions even with incomplete information</li> </ul> <h3><strong>📋 KYC & compliance controls</strong></h3> <ul> <li>Detect fraudulent documents as part of <strong>KYC / KYB verification</strong></li> <li>Manage <strong>PEP and sanctions list checks</strong>: identify cases, verify homonyms, ensure timely and high-quality processing</li> <li>Perform first-level quality checks (L1) on cases handled by the team</li> </ul> <h3><strong>📊 Monitoring & reporting</strong></h3> <ul> <li>Produce reports to identify emerging fraud trends</li> <li>Contribute to continuous improvement of control processes</li> </ul> <h3><strong>🤝 Cross-team collaboration</strong></h3> <ul> <li>Work closely with <strong>Fraud & AML, Customer Operations</strong>, and other Alma teams</li> <li>Act as the <strong>risk contact for consumers</strong> throughout the lifecycle of their transactions</li> </ul> <h2><strong>About you</strong></h2> <p>You would be a great fit if you:</p> <ul> <li>Are <strong>rigorous and investigative</strong> — you follow every case until you understand it</li> <li>Can <strong>make autonomous decisions</strong> using analysis and established procedures</li> <li>Have a genuine