Head of Compliance & Internal Control

🧡 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 valued

Don't meet every single requirement? At Alma, we believe great hires come from diverse paths. If this role excites you, we encourage you to apply. We value potential, curiosity and the ability to grow as much as experience.

🧘 What’s in it for you

If you join, you will be able to grow and impact on:

• A seat at the table — as Head of Compliance & Internal Control, you'll define Alma's positioning and standards on some of the most sensitive and strategic topics in the company, reporting directly to the General Secretary
• A broad, multi-disciplinary scope — you'll lead three distinct teams (Financial Security, Regulatory Compliance, Internal Control), each with its own challenges, and shape how they work together
• A pivotal moment — Alma is scaling fast across Europe; you'll be building the compliance and control infrastructure that supports that growth, in a context where the stakes are real and your decisions matter

🤑 Compensation & benefits

• Competitive salary based on 12 months
• Profit-sharing and employee savings plan
• Health insurance: 100% covered by Alma including family package
• Disability insurance: 100% covered by Alma
• Sport: partnerships with Gymlib and Classpass, or €30/month reimbursement for your sports activities
• Maternity/paternity leave: salary maintained at 100% during leave with no seniority requirement. Return to work at 4/5 schedule paid at 100% for 8 weeks.
• Sustainable Mobility Package (FMD): €544.80/year (excluding full-remote contracts)
• Meal vouchers: €10/day, 50% covered by Alma
• Mental health: free access to MindDay platform
• Paid time off: 25 days/year (+ additional paid leave granted for employees on executive contracts)
• Access to our Learning & Development Platform
• 2 weeks of full remote possible per year in summer

🎯 Interview Process

• Video call with Ryslene, Talent Acquisition — 30 min to understand your path, motivation & walk you through the role.
• nterview with Sébastien Dalphinet, Hiring Manager — 45 min deep dive into your background, expertise, and fit with the team.
• Home assignment — a take-home case study to assess your approach and thinking in practice.
• Case study presentation — with 2 - 3 team members (ideally in house) to assess your practical knowledge
• 1 or 2 additional interviews customized to the role's level to further assess your skills and team fit.

🌍 Diversity & Inclusion

At Alma, we believe that diversity fuels innovation and makes our community stronger. We are committed to building a workplace where every person feels seen, respected, and empowered to do their best work — whatever their gender, background, ethnicity, age, sexual orientation, religion, disability or lived experience. As an equal opportunity employer, we welcome applicants from all walks of life, and all employment decisions are made based on qualifications, merit, and business needs.