Head of Compliance & Internal Control

À propos du poste

🧡 About Alma

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.

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.

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.

With 380+ Almakers and €100M+ ARR, Alma is scaling rapidly across Europe as a member of the Next40, and we're just getting started!

👐 About the team

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.

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.

This position is a CDI based in Paris.

💼 About the job

Set the direction on compliance & control

• Define Alma's top management position on high-stakes compliance and internal control projects impacting the whole company

• Set standards for project quality and ensure alignment with regulatory requirements and organizational objectives

• Drive a culture of compliance by modelling and advocating compliant practices across the company

• Build consensus across the organization, fostering a shared sense of responsibility for compliance

• Represent Alma as the key point of contact with regulators and authorities

Lead the Financial Security team

• Supervise the AML-CFT framework: definition, update, and accuracy of consumer and merchant risk classification

• Oversee KYB/KYC process design and implementation with Risk & Ops stakeholders

• Manage escalations, STR reporting to authorities, and AML-CFT communications to the ACPR

• Define the annual AML/CFT training and awareness program for all employees

• Serve as liaison with local regulatory authorities

Own the Regulatory Compliance framework

• Define Alma's regulatory framework and policies across all geographies

• Ensure continuous regulatory watch, with a specific focus on AML-CFT regulations in Europe

• Supervise IOBSP and ESP processes at Alma

• Oversee the implementation of Alma's ethics program, including anti-corruption policies and processes

Drive Internal Control & Risk Management

• Lead the elaboration and update of Alma's risk mapping: identify, evaluate, and propose controls to mitigate risks

• Supervise the execution of second-level controls as part of Alma's permanent control plan

• Manage the operational risk management framework and incident management processes

• Support periodic control missions and follow up on findings and recommendations

• Raise awareness on risk prevention culture through dedicated trainings and action plans

🧩 About you

To succeed in this job

• 10+ years of professional experience in a similar position in Audit, Internal Control, or Compliance, within a banking environment or a fintech

• Deep understanding of AML-CFT regulatory frameworks and the financing challenges of a payment institution and/or financing company

• Proven experience managing teams and leading cross-functional compliance or control projects

• Experience in an international and multicultural context — you are fluent in English; French, Italian, and/or German are a plus

• Strong analytical and risk-oriented mindset: you can deconstruct complex problems and propose pragmatic solutions

And it will be nice if you also

• Communicate with clarity and conviction, both in writing and orally — you can make complex regulatory topics accessible to any audience

• Are rigorous and methodical, with strong attention to detail

• Bring a curious mindset: you're not afraid to ask questions and explore new topics

• Are a genuine team leader who can carry and apply a centralized vision for your team

• Thrive in a fast-moving, scaling environment where priorities evolve and ownership is…