The mission of the fraud team is to allow Alma to develop rapidly and serenely, and to ensure the most sustainable growth possible. We want to allow the greatest number of customers to use our solution while guaranteeing a controlled risk.

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 try to bypass Alma's due-diligence and monitoring in order to defraud innocent buyers or Alma.

3️⃣ Compliance: 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 in each of our actions:

• Embrace a human-centric approach to risk and fraud. We recognize that differentiating between a bad payer, a high-risk merchant, and a fraudster is essential.
• Deter fraudsters from targeting Alma while ensuring a seamless payment experience for our customers.
• Ensure strict compliance with regulatory requirements, such as Anti-Money Laundering and Combating the Financing of Terrorism (AML-CFT), as Alma serves as the final line of defense.

About the job

Being an essential member of the Risk team, you will operate within the fraud team and oversee diverse Data projects focused on combating fraud and managing merchant risk. Your role will involve providing data-driven support to the Risk & Fraud team, facilitating improvements within the department.

As a data analyst of our Fraud & Risk team you will play a cross-functional and important role, bridging from our data engineers to our risk management team. Reporting directly to the Fraud & AML-CFT Manager you will:

• Work collaboratively within the Team to develop and implement analytical models and rules to detect and prevent fraud & AML effectively (scoring & manual review rules for our Merchant/customer).
• Sift through data, alerts, and reports to find unusual behaviour patterns in transactions/merchant accounts that could be indicative of fraudulent activity using technical data analysis and statistical interpretation
• Collaborate with cross-functional teams, including Product, Data, Machine learning and Risk to gather relevant data and align fraud prevention strategies.
• Design dashboards, oversee the monitoring process, and generate reports on fraud metrics that showcase the performance of fraud systems. These reports will be utilized for management and stakeholders' reporting purposes.
• Offer sporadic on-demand analytical support and data queries to assist fraud-fighting teams.

By joining this team you will:

• Join the data community at Alma and enhance your skills by actively participating in data routines. You will collaborate closely with our Machine Learning and risk modelling team to combat fraud effectively.
• Explore and delve into the fascinating domains of Fraud, Merchant risk management, money laundering, and counter-terrorism efforts with recognised expert of the industry..

About you

If you possess the following qualities, Alma is the perfect match for you:

• You excel at identifying and bringing attention to unusual patterns that do not conform to known event models.
• Your SQL proficiency and understanding of the fraud and risk environment make you a valuable asset.
• You have an appetite for the following areas: fraud & scams, e-commerce, fintech, anti-money laundering.
• You have strong oral & written communication skills. Fluency in both French and English is essential.
• Autonomy in project management comes naturally to you
• You are proactive and can confidently make decisions even when all the information is not readily available.
• You have a demonstrated expertise in data manipulation, analysis and visualization, utilizing tools like SQL, Metabase, and Looker (Python proficiency is an nice-to-have).
• Prior experience in a startup/fintech or finance/risk industry will be considered a asset.

About the recruitment process

• Video call with Ryslene, our Talent Acquisition Manager
• Interview call with Jed, Fraud & LCB-FT Manager and Florent (our Fraud data Analyst)
• Case study and live debrief with Jed and a member of the data team
• Interview with Arnaud our Head of Risk.