Onboarding & Transaction Monitoring 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

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 an Onboarding and Transaction Monitoring Analyst to support customer onboarding and ongoing transaction monitoring across fiat and stablecoin flows. You’ll conduct KYC/KYB reviews, screen customers and counterparties, and investigate and elevate transaction monitoring alerts.

This role is ideal for someone early in their AML career looking to gain hands-on experience in fintech and digital-asset compliance, with opportunities to grow into broader Compliance or Compliance Operations roles.

Resposibilities:

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 elevate matches

• Assign risk classifications and flag inconsistencies or red flags in documentation

• Support periodic and event-driven customer reviews

Transaction Monitoring

• Review and work transaction monitoring alerts across fiat and stablecoin transactions

• Investigate unusual transaction patterns, velocity and counterparty activity

• Compare transaction behaviour against customer profile to assess consistency

• 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

Case Quality & Support

• Maintain accurate case records within agreed SLAs

• Support customer queries 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

Requirements

• Experience in KYC/KYB, transaction monitoring, 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 a closer look.