Lead Fraud & AML Ops

About the Company

Responsibilities

• ● Own end-to-end first-line transaction monitoring and fraud operations for business customers, ensuring that alert triage, investigations, customer outreach and escalations are completed in line with policies set by Compliance and Risk and within agreed SLAs.
• ● Translate AML/CFT and fraud policies into operational procedures, decision trees and analyst playbooks, and provide evidence-based recommendations on alert quality and operational bottlenecks.
• ● Review complex or high-risk alerts within the first-line mandate, oversee post-onboarding fraud cases and ensure that escalations, customer complaints and law-enforcement requests are handled with complete, auditable records.
• ● Implement the QA and reporting framework, monitor operational and risk indicators, and support Compliance during controls testing, audits and regulatory reviews.
• ● Recruit, onboard and lead the transaction monitoring and fraud analyst team, combining hands-on support with effective coaching and a culture of rigour, accountability and continuous learning.
• ● Establish the team's performance and capacity framework, covering SLAs, productivity, quality, backlogs, false-positive rates and hiring needs.
• ● Partner with Product and Tech to test and improve transaction-monitoring, fraud and back-office workflows, prioritising automation while identifying the controls and decisions that should remain manual.
• ● FIRST 6-12 MONTHS
• ● Deliver approved operating procedures, analyst playbooks and escalation rules before go-live.
• ● Establish a capacity and hiring plan based on observed alert volumes and handling times.
• ● Validate that alert queues, evidence collection, account measures and second-line handovers work operationally before launch.
• ● By go-live, have first-line monitoring operational for new customers, with trained coverage, agreed SLAs, documented QA controls and named escalation owners.
• ● Significant experience in transaction monitoring, fraud or broader financial-crime operations within a regulated financial-services environment, including ownership of operational performance and complex case decisions.
• ● Proven experience leading and developing an operational team responsible for alert queues or investigations, combining effective coaching with a hands-on player-coach approach when needed.
• ● Strong understanding of first-line alert handling: triage, investigation, typology, escalation, and the difference between a fraud case and an AML case.
• ● Good working knowledge of French and European AML/CFT expectations, including ACPR and TRACFIN requirements, and experience translating policy into SOPs, decision trees and analyst guidance.
• ● Sound judgement on what to automate, what to sample and what to escalate.
• ● Ability to use operational metrics to manage quality, backlogs and capacity.
• ● Ability to make structured, well-documented decisions under pressure and communicate complex cases clearly to operational and compliance stakeholders.
• ● Comfort building operations in a greenfield environment where volumes are still uncertain and tooling is evolving.

Benefits

• ● Build first-line transaction monitoring and fraud operations for a new regulated entity from the ground up.
• ● Shape the operating model before launch, rather than inheriting fixed processes and tooling.
• ● Take ownership of a critical domain with a direct impact on go-live readiness, customer protection and responsible growth.
• ● Work closely with Operations, Compliance, Risk, Product and Tech on a strategic company project.
• ● RECRUITMENT PROCESS
• ● Interview with Lucie (30-45 min), Senior Recruiter
• ● Interview with Maxime (1h), General Manager
• ● Case Study with Laurent and Léa (1h)
• ● Last round with Stanislas and Felix (45 min)
• ● Ce que l'on peut t'offrir :
• ● Une mutuelle parmi les meilleures sur le marché (Alan Blue et Alan Mind)
• ● Des tickets restaurants (Carte Swile)
• ● Entre 6 et 12 jours de RTT supplémentaires aux 5 semaines de congés payés
• ● Un budget dédié chaque mois pour tous nos Pennylaners, favorisant le travail depuis la maison ou en espace de coworking
• ● Une facilité d'accès à nos bureaux, situés à quelques minutes de Saint Lazare en plein cœur de Paris
• ● Une enveloppe de BSPCE
• ● Un accès à 8000 salles de sport partout en France et plus de 300 activités de bien-être via notre partenaire Gymlib
• ● Nous pratiquons de nombreux sports ensemble et avons à cœur de nous réunir régulièrement autour d'événements d'entreprise tels que les Tech Days (qui permettent aux Pennylaners en remote de se réunir tous les 3 mois) ou notre séminaire d'entreprise qui a lieu une fois par an, et qui favorise de grands moments de cohésion pour toutes et tous.
• ● Pour t'épanouir chez Pennylane, il faudra:
• ● Parler anglais (le niveau est évalué et apprécié en fonction du département auquel tu postules)