Lead Fraud & AML Ops

En 6 ans d'existence, nous sommes parvenus à :

👨‍👩‍👧‍👦 Passer de 7 cofondateurs à une équipe de 1200 collaborateurs, avec une note moyenne de 4,9/5 sur Glassdoor et 94% des évaluateurs Glassdoor qui recommanderaient PL à leurs proches!

🚀 Déjà plus de 1 500,000 TPE/PME et plus de 7000 cabinets d’expertise-comptable utilisent Pennylane en France !

Role context

Pennylane currently operates around 50,000 business accounts through a BaaS model with Swan and is applying for Établissement de paiement and Société de financement licences. As we prepare to onboard new customers under our own licensed entity from mid-2027, we are building our first line of defence across onboarding, transaction monitoring, fraud and risk operations.

As Transaction Monitoring & Fraud Operations Lead, you will be one of the first operational leaders in this greenfield setup. Reporting to the Head of FinCrime Operations, you will lead first-line transaction monitoring and fraud operations across Pennylane’s payment activities within a single team. You will own first-line alert handling and fraud case management, with clear escalation paths to Compliance and Risk.

Your mission will be to build and launch Pennylane’s first-line transaction monitoring and fraud operations, then scale the team and its workflows as volumes grow—while maintaining strong decision quality, auditability and customer protection.

This is a high-autonomy role with direct exposure to a strategic regulatory project and close collaboration with Product, Compliance and Risk. You will help shape how Pennylane protects the financial activity of French SMEs as it brings more of its regulated operations in-house.

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.

What we’re looking for

• 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.

• Experience working with Product or Tech on workflow or tooling changes.

• 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.

• Exposure to ACPR expectations, a licensing programme, a BaaS migration or law-enforcement requests would be an advantage.

Languages, presence and location

• Fluent French and English are mandatory.

• Based in France, with a strong preference for Paris.

• Regular on-site presence in Paris is expected. Partial remote is possible. This is not a fully remote role.

Why join

• 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

1. Interview with Lucie (30-45 min), Senior Recruiter

2. Interview with Maxime (1h), General Manager

3. Case Study with Laurent and Léa (1h)

4. Last round with Stanislas and Felix (45 min)

🍜 Des tickets restaurants (Carte Swile)

🏢 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

💻 Un Mac

Pour t'épanouir chez Pennylane, il faudra:

-Parler anglais (le niveau est évalué et apprécié en fonction du département auquel tu postules)

-Apprécier travailler dans un environnement en changement constant

-Faire de la collaboration une priorité au sein de son équipe ou avec d'autres parties prenantes

-Avoir un recul suffisant pour prioriser les actions à fort impact business dans son activité quotidienne.

Information importante à destination des candidat(e)s

🇪🇸 Datos personales