Onboarding & Transaction Monitoring Analyst

Merge Money Ltd.; Paris; On-site; EUR 42,000 - 64,000; Full time

Job summary

Merge Money Ltd. is seeking an Onboarding and Transaction Monitoring Analyst to support KYC/KYB reviews and ongoing monitoring across fiat and stablecoin flows.

You will review corporate structures, screen customers, investigate alerts, and escalate as needed, contributing to compliance with EU sanctions regimes and TRACFIN reporting.

This role offers hands-on fintech AML experience with room to grow into broader Compliance roles.

Qualifications

• 1-3 years in KYC/KYB, AML or fraud/risk operations in fintech.
• Working knowledge of EU sanctions, PEP screening, and TRACFIN expectations.
• Strong attention to detail and ability to handle high case volumes.
• Analytical mindset with ability to document defensible conclusions.

Responsibilities

• Conduct KYC/KYB reviews at onboarding and ongoing monitoring.
• Review corporate structures, owners, and source of funds; perform CDD and EDD as needed.
• Review transaction monitoring alerts and investigate unusual patterns.
• Document evidence-based conclusions and escalate suspicious activity per procedure.
• Maintain case records within SLAs and support customer success with requests.

Skills

KYC/KYB

Transaction monitoring

AML operations

Fraud/Risk

Fintech payments

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 escape 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 escape 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.