Head of Compliance & Internal Control

À propos du poste

<h3><strong>🧡 About Alma</strong></h3> <p>At Alma, we believe sustainable commerce depends on fair, well‑balanced trade. Because finance plays a pivotal role in business, our mission is to put it back in its rightful place - serving merchants and consumers.</p> <p>Our installment and deferred payment solutions help merchants boost sales by 20% or more, increase customer loyalty, and deliver a seamless shopping experience - without encouraging bad debt.</p> <p>As the buy now pay later leader in France and active in 10 European countries, we've empowered over +25,000 merchants and 10 million consumers.</p> <p>With 380+ Almakers and €100M+ ARR, Alma is scaling rapidly across Europe as a member of the Next40, and we're just getting started!</p> <h3><strong>👐 About the team</strong></h3> <p>Compliance & Internal Control sits at the heart of Alma's ability to operate as a trusted, regulated payment institution across Europe. The function spans three pillars — Financial Security, Regulatory Compliance, and Internal Control — and plays a critical role in shaping how Alma manages risk, meets its obligations, and builds a culture of compliance across the company.</p> <p>You'll report to the General Secretary and work closely with Operations, Risk, and Finance teams. This is a senior leadership role with real scope: you'll manage a team of specialists and define Alma's standards and positioning on compliance at the highest level.</p> <p><strong>This position is a CDI based in Paris.</strong></p> <h3><strong>💼 About the job</strong></h3> <p><strong>Set the direction on compliance & control</strong></p> <ul> <li>Define Alma's top management position on high-stakes compliance and internal control projects impacting the whole company</li> <li>Set standards for project quality and ensure alignment with regulatory requirements and organizational objectives</li> <li>Drive a culture of compliance by modelling and advocating compliant practices across the company</li> <li>Build consensus across the organization, fostering a shared sense of responsibility for compliance</li> <li>Represent Alma as the key point of contact with regulators and authorities</li> </ul> <p><strong>Lead the Financial Security team</strong></p> <ul> <li>Supervise the AML-CFT framework: definition, update, and accuracy of consumer and merchant risk classification</li> <li>Oversee KYB/KYC process design and implementation with Risk & Ops stakeholders</li> <li>Manage escalations, STR reporting to authorities, and AML-CFT communications to the ACPR</li> <li>Define the annual AML/CFT training and awareness program for all employees</li> <li>Serve as liaison with local regulatory authorities</li> </ul> <p><strong>Own the Regulatory Compliance framework</strong></p> <ul> <li>Define Alma's regulatory framework and policies across all geographies</li> <li>Ensure continuous regulatory watch, with a specific focus on AML-CFT regulations in Europe</li> <li>Supervise IOBSP and ESP processes at Alma</li> <li>Oversee the implementation of Alma's ethics program, including anti-corruption policies and processes</li> </ul> <p><strong>Drive Internal Control & Risk Management</strong></p> <ul> <li>Lead the elaboration and update of Alma's risk mapping: identify, evaluate, and propose controls to mitigate risks</li> <li>Supervise the execution of second-level controls as part of Alma's permanent control plan</li> <li>Manage the operational risk management framework and incident management processes</li> <li>Support periodic control missions and follow up on findings and recommendations</li> <li>Raise awareness on risk prevention culture through dedicated trainings and action plans</li> </ul> <h3><strong>🧩 About you</strong></h3> <p><strong>To succeed in this job</strong></p> <ul> <li><strong>10+ years of professional experience</strong> in a similar position in Audit, Internal Control, or Compliance, within a banking environment or a fintech</li> <li><strong>Deep understanding of AML-CFT regulatory frameworks</strong> and the financing challenges of a payment institution and/or financing company</li> <li><strong>Proven experience managing teams</strong> and leading cross-functional compliance or control projects</li> <li><strong>Experience in an international and multicultural context</strong> — you are fluent in English; French, Italian, and/or German are a plus</li> <li><strong>Strong analytical and risk-oriented mindset</strong>: you can deconstruct complex problems and propose pragmatic solutions</li> </ul> <p><strong>And it will be nice if you also</strong></p> <ul> <li>Communicate with clarity and conviction, both in writing and orally — you can make complex regulatory topics accessible to any audience</li> <li>Are rigorous and methodical, with strong attention to detail</li> <li>Bring a curious mindset: you're not afraid to ask questions and explore new topics</li> <li>Are a genuine team leader who can carry and apply a centralized vision for your team</li> <li>Thrive in a fast-moving, scaling environment where priorities evolve and ownership is…