Payments Risk Analyst — AML, KYC & Monitoring

Multisafepay BV; Málaga; On-site; EUR 42,000 - 54,000; Full time

Benefits offered by this job

Health insurance

Professional growth

Diverse international team

Spanish classes

Sports activities

Job summary

MultiSafepay in Málaga, Spain, seeks a Risk Analyst to manage end-to-end risk across the merchant lifecycle, including KYC onboarding, transaction monitoring, and periodic reviews. You will balance speed and accuracy in a fast-paced, SLA-driven environment, escalating suspicious activity and driving strong, data‑driven risk decisions within an international team.

The role offers a competitive salary, comprehensive health insurance, and opportunities for professional growth within a diverse,

Qualifications

• 2+ years of experience in fintech, payments, risk, transaction monitoring, AML, or KYC.
• Strong risk analysis and transaction monitoring expertise.
• Solid financial risk analysis skills, including understanding of business models.
• Proven AML and fraud risk assessment experience.
• Ability to document decisions clearly and escalate complex risks.
• Excellent organisational skills with the ability to meet SLA.
• Fluency in English.

Responsibilities

• Perform active account risk management, including transaction monitoring, and identifying, investigating, and escalating suspicious activity in a timely manner.
• Conduct merchant onboarding and portfolio reviews, ensuring consistent and high-quality risk evaluation.
• Perform financial and AML risk assessments, identifying potential exposure across merchant portfolios.
• Ensure efficient case management and SLA adherence, prioritising workload effectively to maintain timely and accurate outcomes.
• Drive continuous improvement initiatives, proactively identifying process gaps and suggesting scalable solutions.

Skills

Risk analysis

Transaction monitoring

AML

KYC onboarding

Financial risk assessment

English fluency

Documentation & escalation

Job description

MultiSafepay in Málaga, Spain, seeks a Risk Analyst to manage end-to-end risk across the merchant lifecycle, including KYC onboarding, transaction monitoring, and periodic reviews. You will balance speed and accuracy in a fast-paced, SLA-driven environment, escalating suspicious activity and driving strong, data‑driven risk decisions within an international team.

The role offers a competitive salary, comprehensive health insurance, and opportunities for professional growth within a diverse,