Lead Fraud & AML Ops

Vous cherchez un environnement professionnel stimulant basé sur l'autonomie et la confiance ? Pennylane vous offre l'opportunité de grandir au sein d'une entreprise en pleine croissance. Ici, votre expertise contribuera directement à aider les entrepreneurs à reprendre le contrôle de leurs finances. Découvrez un lieu où vos compétences seront valorisées et où vous pourrez façonner l'avenir de la gestion financière. Notre vision Notre ambition est de devenir le logiciel de pilotage financier préféré des PMEs européennes. Nous aidons les entrepreneurs à se débarrasser des tâches chronophages liées à la comptabilité et à la finance, tout en leur donnant accès à des informations financières clés pour les aider à prendre les meilleures décisions pour leur entreprise. Parallèlement, nous aidons les cabinets d'expertise-comptable, en leur permettant de passer moins de temps sur des tâches redondantes et répétitives, et plus de temps sur la partie conseil et accompagnement de leurs clients. À propos de Pennylane Pennylane est une des FinTech à la plus forte croissance en France, et souhaite bientôt adresser le marché européen. En 6 ans d'existence, nous sommes parvenus à : 💻 Nous positionner sur le marché comme un éditeur de solution de comptabilité et de gestion financière innovant 💰 Lever un total de 400 millions d'euros, auprès d'investisseurs de renom, dont Sequoïa, le fonds phare de la Silicon Valley, connu pour avoir soutenu Google, Facebook, Airbnb, Stripe, Paypal et bien d'autres à leur début 👨‍👩‍👧‍👦 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! 🌍 Construire une équipe internationale composée de collaborateurs issus de 25 pays différents, avec une culture du télétravail très flexible 🤝 Gagner la confiance de milliers d'utilisateurs et obtenir d'excellents retours 🚀 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, d