Onboarding specialist- Payments Fintech

Merge; Paris; On-site; EUR 60,000 - 90,000; Full time

Job summary

Merge is hiring an Onboarding Specialist to support customer onboarding for fiat and stablecoin flows. You will perform KYC/KYB reviews, screen customers and counterparties, and contribute to ongoing compliance operations.

This role offers growth into broader Compliance functions within a regulated fintech environment. The ideal candidate has 3+ years in KYC/KYB or AML operations, strong regulatory awareness, and meticulous attention to detail.

Qualifications

• 3+ years experience in KYC/KYB, AML operations, or fraud/risk operations in fintech or payments.
• Familiarity with EU sanctions regimes and PEP screening.
• Strong attention to detail with ability to handle high-volume cases.
• Analytical mindset with ability to form defensible conclusions.
• Ownership mindset with readiness to escalate when needed.

Responsibilities

• Conduct KYC/KYB reviews for onboarding customers and counterparties.
• Review corporate structures, UBOs, and source of funds/wealth for approvals.
• Perform CDD and, where guided, EDD on higher-risk customers.
• Run sanctions and adverse media screening and flag inconsistencies.
• Maintain accurate case records within SLAs and support partner requests.

Skills

KYC/KYB experience

AML operations

Fraud/risk operations

Job description

About Merge

Merge is a regulated stablecoin payments infrastructure platform enabling enterprises to move money globally in real time. We combine stablecoin rails with local instant payment systems to deliver faster, cheaper, and more transparent cross-border payments and treasury workflows. Merge serves fintechs, investment platforms, marketplaces, and corporate treasury teams globally.

About Merge

Merge is a regulated stablecoin payments infrastructure platform enabling enterprises to move money globally in real time. We combine stablecoin rails with local instant payment systems to deliver faster, cheaper, and more transparent cross-border payments and treasury workflows. Merge serves fintechs, investment platforms, marketplaces, and corporate treasury teams globally.

About The Role

Merge is hiring a 1LoD Onboarding Specialist to support customer onboarding across fiat and stablecoin flows. You’ll conduct KYC/KYB reviews, periodic reviews, and screen customers and counterparties. This role is ideal for someone looking for opportunities to grow into broader Compliance or Compliance Operations roles.

Responsibilities

Onboarding

• 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 escalete matches
• Assign risk classifications and flag inconsistencies or red flags in documentation
• Support periodic and event-driven customer reviews

Case Quality & Support

• Maintain accurate case records within agreed SLAs
• Support customer queries and banking partner requests on KYC/KYB, AML checks and documentation requests, working with Customer Success
• Flag recurring issues or patterns to the Compliance Operations team for process improvement

Transaction Monitoring

• While the focus of this role is onboarding, it may also include transaction monitoring review. Experience in transaction monitoring and/or fraud investigation is a plus.

Requirements

• 3+ years experience in KYC/KYB, AML operations, or fraud/risk operations - background in fintech, payments, or an EMI/PSP preferred;
• Working knowledge of AML/CFT fundamentals, EU sanctions regimes (EU, OFAC, UN lists) and PEP screening, with awareness of French regulatory expectations (ACPR guidelines, TRACFIN reporting obligations);
• Strong attention to detail and comfort working through high case volumes without cutting corners;
• Analytical mindset - comfortable digging into transaction patterns, fund flows, and forming a defensible, well-evidenced conclusion
• Takes ownership of their workload and exercises sound judgment - escalating promptly to the MLRO or compliance lead whenever something warrants review.