Fintech AML Onboarding & Transactions Analyst

Merge Money Ltd.; Paris; On-site; EUR 45,000 - 65,000; Full time

Job summary

Merge Money Ltd. is seeking an Onboarding and Transaction Monitoring Analyst to support customer onboarding and ongoing AML monitoring across fiat and stablecoin flows.

You'll conduct KYC/KYB reviews, screen customers and counterparties, and investigate transaction monitoring alerts. This role offers hands-on fintech compliance experience with room to grow into broader Compliance or Compliance Operations roles.

Qualifications

• Experience in KYC/KYB, transaction monitoring, AML operations or fraud/risk roles.
• Background in fintech, payments or EMI/PSP preferred.
• Familiarity with EU sanctions regimes and PEP screening.
• Ability to manage high case volumes with attention to detail.

Responsibilities

• Conduct KYC/KYB reviews for individuals and businesses at onboarding.
• Review corporate structures, UBOs, directors, shareholders and source of funds/wealth.
• Perform CDD and, under guidance, EDD on higher-risk customers.
• Run PEP, sanctions and adverse media screening and clear or elevate matches.
• Assign risk classifications and flag inconsistencies in documentation.
• Support periodic and event-driven customer reviews.
• Review transaction monitoring alerts across fiat and stablecoin transactions.
• Investigate unusual transaction patterns, velocity and counterparty activity.
• Document clear, evidence-based investigation conclusions.
• Escalate suspicious activity per internal procedures; support STR/SAR case prep.
• Review payment exceptions, rejected transactions and unusual beneficiary activity in partnership with Operations and Payments.

Skills

KYC/KYB reviews

Transaction monitoring

AML operations

Fraud/Risk operations

Attention to detail

Job description

Merge Money Ltd. is seeking an Onboarding and Transaction Monitoring Analyst to support customer onboarding and ongoing AML monitoring across fiat and stablecoin flows.

You'll conduct KYC/KYB reviews, screen customers and counterparties, and investigate transaction monitoring alerts. This role offers hands-on fintech compliance experience with room to grow into broader Compliance or Compliance Operations roles.