Risk and Fraud Officer
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