The mission of the Fraud Team is to enable Alma to develop rapidly and serenely, and thus ensure the most sustainable growth possible.

Our aim is to enable as many customers as possible to use our solution, while guaranteeing controlled risk-taking.

We are exposed to 3 different types of risk:

1️⃣ Customer fraud : The fraudster will use all the means at his disposal to never honor his payments and abuse Alma's processes.

2️⃣ Merchant fraud: A fraction of our merchants will attempt to bypass Alma's due diligence and monitoring in order to defraud innocent buyers or Alma.

3️⃣ Compliance: The customer or merchant uses Alma for money laundering or terrorist financing purposes.

Beyond our scope of activity, our ambition is to change the rules of risk management in the payment industry. This translates into a few principles that we try to apply to everything we do:

• A human approach to risk and fraud. A bad payer and a merchant exposed to a high-risk sector are different from a fraudster, and will never be treated in the same way by our anti-fraud teams.
• Dissuade fraudsters from coming back to attack Alma while providing a frictionless payment flow for customers.
• Align with regulatory constraints to avoid Alma being fined (AML-CFT). We are one of the last line of defense.

🚀 About the mission

As a key member of the Risk team, you will play a crucial role in the customer-focused Fraud & AML-CFT team, leveraging your expertise to oversee and contribute to various anti-fraud and AML detection initiatives. Fraud-related tasks will represent approximately 2/3 of your responsibilities compared to AML.

You will also support our operational teams (Risk & Fraud Officers) based in Lille, who handle daily fraud detection activities.

Your main missions will be as follows:

• Assume the role of autonomous project manager on various fraud-related topics, collaborating with various Alma teams such as Product, Engineering and Operations.
• Implement scoring rules and manual review rules to combat fraud: analyze customers' past, present and future fraud patterns.
• Provide technical and functional support and training to the Risk & Fraud Officers team (fraud operators) on fraud & AML/CFT related topics.
• Conduct enhanced investigations on escalated alerts related to potential AML-CFT activities.
• Define processes to support field teams in their fight against fraud.
• Monitor key performance indicators (KPIs) and fraud & AML related activity, regularly updating the anti-fraud alert system.

⭐ About you

Alma is the right choice for you if :

• You are able to work autonomously and manage projects independently.
• You are skilled in IT tools and possess a solid understanding of the cyber and technological aspects of fraud. While knowledge of SQL is a plus, you will have the support of a dedicated Fraud Data Analyst to collaborate with.
• You have a keen interest in areas such as fraud & scams, e-commerce, fintechs, and technology in general.
• You have excellent writing skills and are able to communicate effectively with people at different hierarchical levels. Fluency in French and English is a must.
• You are proactive and able to make informed decisions even in the absence of all information.

Desired experience:

• You are an expert in the world of fraud and financial crime, with in-depth knowledge of electronic banking. Experience in buy now pay later would be appreciated.
• Experience in a startup, fintech or the financial sector would be an added advantage.

👥 About the recruitment process

• Video interview with Ryslene, our Talent Acquisition Manager
• Video interview call with Jed, Fraud Manager
• Written case study
• Debriefing with Jed and a Fraud & AML-CFT Analyst
• Interview with Arnaud the Head of Fraud , AML-CFT & Merchant Risk Management