Risk and Fraud Officer

Alma
Lille +1 more
Hybrid

Who this role is best for

Risk professionals with investigative skills and bilingual communication will find this fraud prevention role in a fast-growing fintech company.

Best fit for

  • Candidates with experience in fraud detection and strong French/English communication skills
    — “Have strong written communication skills in French and English”
  • Individuals who thrive in evolving fraud environments and can adapt quickly
    — “Are adaptable and resilient — processes and fraud techniques evolve quickly”
  • Professionals with a background in KYC, compliance, or AML procedures
    — “Detect fraudulent documents as part of KYC / KYB verification”

Things to consider

  • The role requires occasional weekend shifts, approximately twice per quarter
    — “Occasional weekend shifts may be required (approximately twice per quarter)”
  • The position is based in Lille with limited remote flexibility
    — “This role is based in Lille, with 2 days of remote work per week”

How to stand out

  • Highlight experience with fraud investigations and document verification in your resume
    — “Conduct thorough investigations of suspicious cases (identity fraud, document fraud, AML/CFT schemes)”
  • Showcase your ability to work with incomplete information and make decisions
    — “Make informed decisions even with incomplete information”
  • Demonstrate cross-team collaboration experience, especially with operations and compliance teams
    — “Work closely with Fraud & AML, Customer Operations, and other Alma teams”
  • Emphasize your ability to produce actionable reports and identify fraud trends
    — “Produce reports to identify emerging fraud trends”
Pace · Fast PacedCollaboration · HighAutonomy · MediumDecision Impact · Team

Derived from job-description analysis by Serendipath's career intelligence engine.

What success looks like

  • Identify high-risk transactions
  • Contribute to continuous improvement of control processes
Typical background
Experience in fraud operationsRisk managementCompliance

Skills & requirements

Required

Fraud DetectionRisk AnalysisInvestigationsKYCAml/cftReporting

Preferred

Fintech

Stack & domain

RigorousInvestigativeAutonomousAdaptabilityResilienceStrong Written CommunicationFraud PreventionFintech

About the role

Original posting from Alma via Greenhouse

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:

25,000+ active merchants

10 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:

Introductory interview with Talent Acquisition

Online test

Interview with Team Leads/Experts and case debrief

Team fit interview with Consumer Risk team members

Source: Alma careers (Greenhouse)

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