--- title: 'Merchant Risk Officer at Alma' canonical: 'https://feeny.ai/job/merchant-risk-officer-alma-lille-nord-4ytgdk3m74rw' type: 'job' last_seen: '2026-09-12' --- # Merchant Risk Officer at Alma - **Company:** Alma - **Location:** Lille Nord, France - **Posted:** 2026-08-20 - **Last confirmed live:** 2026-09-12 - **Apply:** https://job-boards.eu.greenhouse.io/alma31/jobs/4956646101 ## Job description ## About Alma Alma is the French leader in Buy Now Pay Later (BNPL), operating in 10 European countries. Our mission is to put finance back at the service of merchants and consumers, not the other way around. Today: - 23,000+ active merchants - 9 million consumers served - 4.8/5 on Trustpilot - A fast-growing team ensuring every transaction is secure, fair, and smooth You will join a dynamic Merchant Risk Team, protecting Alma against fraud while helping merchants and consumers have a reliable experience. ## About the role As a Merchant Risk Officer, you will become Alma’s first line of defense against merchant risk. Every day, you will analyze our merchants’ activity and behavior to identify risky situations as early as possible. Your role will be to understand early warning signs, investigate unusual situations, and make the right decisions to protect Alma, its partners, and its consumers. More specifically, you will seek to answer three questions: - Is this merchant using Alma in compliance with our terms and conditions? - Does their activity present a financial, fraudulent, or regulatory risk? - What actions should we take to mitigate this risk? ## Key responsibilities 🔍 Monitor and assess merchant risk - Monitor key indicators such as sales volumes, default rates, fraud rates, chargebacks, and changes in merchant activity. - Identify unusual patterns, including sudden sales spikes, significant changes in activity, or inconsistencies in merchant operations. - Assess merchant compliance and risk levels based on account information, activity, and available documentation. 🕵️ Investigate and manage alerts - Conduct in-depth reviews of merchants suspected of fraud, non-compliance, financial difficulty, or insolvency. - Analyze information about the company, its business activity, website, and commercial environment, using both internal data and public sources. - Investigate alerts related to suspicious payments, unusual behavior, sales spikes, or the cessation of business activity. - Make well-reasoned decisions, even when information is incomplete or contradictory, and recommend appropriate risk mitigation actions. - Apply AML and CTF procedures whenever required. 📊 Report and improve risk processes - Document investigations, identify emerging fraud patterns, and share key learnings with relevant teams. - Contribute to the improvement of monitoring rules, control tools, and operational processes. - Identify opportunities for automation and increased efficiency. 🤝 Collaborate across teams - Communicate clearly with merchants regarding information requests, reviews, and risk decisions. - Act as a risk point of contact for Customer Operations, Merchant Operations, Customer Success, and Sales. - Collaborate with Risk, Fraud, Compliance, Legal, and Finance teams to foster a shared risk culture. ## About you You would be a great fit if you: - Are thorough and enjoy investigating: you take the time to understand a case and do not stop at the first piece of information you find, - Have a keen eye for detail: you can spot inconsistencies, early warning signs, and information that warrants further investigation, - Are autonomous in your decision-making: you can move forward and make decisions even when not all the information is available, - See things through: you follow up on your cases and do not leave situations unresolved, - Have an analytical mindset: you are comfortable interpreting data and drawing actionable conclusions, - Are interested in e-commerce, fintech, and fraud prevention, - Are comfortable with uncertainty and change: risks evolve, and so do our processes, - Communicate clearly, both in writing and verbally, in French and English, - Are comfortable using digital tools. Knowledge of SQL is a strong plus. Experience in operations, risk, fraud, compliance, e-commerce, fintech, or analytics would be an advantage. However, we will be particularly attentive to your ability to think critically, investigate, and learn quickly. ## Why join Alma - Offices in Paris (10th arrondissement) and Lille – Euratechnologies - Health insurance fully covered for you and your family - Meal vouchers (Swile) - Sustainable mobility package - Regular team events and internal talks Recruitment process The process includes: - Introductory interview with Talent Acquisition - Online test - Interview with Team Leads - Case Study - Case study Debrief with Experts and Team Leads - Team fit interview with Merchant Risk team members ## About Alma ## Company Overview - **One-liner**: Alma simplifies access to high-quality, affordable mental health care by making it easy and financially rewarding for therapists to accept insurance and manage their practices. - **Entity Type**: Private (Acquired) – acquired by Spring Health in January 2026 - **Headquarters**: Brooklyn, New York, United States - **Founded**: 2018 - **Founders**: Not publicly disclosed in available sources ## Core Business - **Primary industry/industries**: Mental Health Care, Health Tech - **Target customers**: B2B (therapists, health plans) and B2C (individuals seeking therapy) - **Mission or purpose statement**: “Simplify access to high-quality, affordable mental health care.” ## Products & Services - **Alma Membership**: A subscription-based platform for therapists that includes lead generation via a personalized matching service and online directory, telemedicine software, billing, scheduling, insurance support, training, and education ([helloalma.com](https://helloalma.com/), [cbinsights.com](https://www.cbinsights.com/company/alma-2)). - **Free Therapist Directory**: A public directory where individuals can search for therapists who accept their insurance, with a typical cost of $20 per session for insured clients ([helloalma.com](https://helloalma.com/)). ## Market Standing - **Valuation/Market Cap**: Not disclosed (acquired by Spring Health; terms not public) - **Key Metric**: Total funding raised – $220.5M (or $222.03M per CB Insights) across Seed, Series A, B, C, and D rounds ([linkedin.com](https://www.linkedin.com/company/withalma), [cbinsights.com](https://www.cbinsights.com/company/alma-2)) - **Notable Investors/Partners**: Insight Partners, Optum Ventures, Tusk Venture Partners, Primary Venture Partners, First Round Capital, Sound Ventures, BoxGroup, Cigna Ventures, Rainfall Ventures, and Spring Health ([greenhouse.io](https://job-boards.greenhouse.io/alma), [linkedin.com](https://www.linkedin.com/company/withalma)) - **Growth Signals**: Network includes over 20,000–24,000 therapists; employees grew ~14.6% YoY to 810; acquired by Spring Health in January 2026 to expand insurance reach and address care continuity ([cbinsights.com](https://www.cbinsights.com/company/alma-2), [linkedin.com](https://www.linkedin.com/company/withalma)); named among Inc.’s Best Workplaces in 2022, 2023, and 2024 ([greenhouse.io](https://job-boards.greenhouse.io/alma)) ## Competitive Advantages - **Insurance network expertise**: Alma’s core value is making it easy for therapists to accept insurance (a notoriously complex process), which differentiates it from many direct-pay-only platforms. - **Integrated platform**: Combines practice management (scheduling, billing, telemedicine) with a consumer-facing directory and insurance reimbursement support, creating a sticky ecosystem for providers. - **Scale and brand**: With 24,000+ therapists and presence in all 50 states, Alma has built a large, trusted network that attracts both providers and patients. - **Acquisition by Spring Health**: Joining forces with a precision mental health leader creates a combined offering that spans the full care continuum, potentially increasing resources and reach ([cbinsights.com](https://www.cbinsights.com/company/alma-2)). ## Strategic Focus - **Integration with Spring Health**: Post-acquisition, Alma is likely focused on integrating its provider network and tools with Spring Health’s employer-facing precision mental health platform to provide seamless care continuity. - **Expanding insurance reach**: Continuing to simplify insurance acceptance for therapists and expanding partnerships with health plans. - **Scaling the provider network**: Growing the directory and membership base to improve access for consumers nationwide. ## Why Work Here - **Mission-driven culture**: Alma’s mission to make mental health care accessible and affordable resonates with employees seeking purpose in their work. - **Remote-first policy**: Most roles are listed as “Remote, Contiguous US,” offering flexibility (evident from job postings on Greenhouse). - **Awards and recognition**: Named an Inc. Best Workplace for three consecutive years (2022–2024), indicating strong employee satisfaction. - **Growth and stability**: Despite recent acquisition, the company continues to hire (8 open positions as of search) and has maintained a ~14.6% YoY headcount increase. The combination with Spring Health may provide additional resources and career development opportunities. - **Engineering and data culture**: Active roles in Data Science, Business Intelligence, Engineering, and Product suggest a data-driven, tech-enabled environment. - **Collaborative environment**: Emphasis on supporting therapists (the “Alma membership”) and a team-oriented approach to solving complex healthcare challenges. ## Sources 1. [helloalma.com](https://helloalma.com/) 2. [job-boards.greenhouse.io/alma](https://job-boards.greenhouse.io/alma) 3. [cbinsights.com](https://www.cbinsights.com/company/alma-2) 4. 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