Transaction monitoring specialist - Payments Fintech

Merge; Paris; On-site; EUR 65,000 - 90,000; Full time

Job summary

Merge is hiring a 1LoD Transaction Monitoring Specialist to support ongoing monitoring of fiat and stablecoin flows. You will screen customers and counterparties, review sanctions screening hits, and investigate and escalate transaction monitoring alerts.

This role is ideal for someone looking to grow into broader Compliance or Compliance Operations roles, with collaboration across Operations and Payments teams. KYB/KYC experience is a plus.

Qualifications

• 3+ years of experience in transaction monitoring, AML operations, or fraud/risk operations.
• Experience with fintech, payments, or EMI/PSP is preferred.
• Working knowledge of AML/CFT fundamentals and sanctions regimes (EU/OFAC/UN).
• Attention to detail and ability to handle high case volumes.
• Ability to escalate promptly to MLRO or compliance lead when review is warranted.

Responsibilities

• 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 and unusual beneficiary activity with Operations and Payments.

Skills

Transaction monitoring

AML operations

Fraud/risk operations

EU sanctions guidance

KYC/KYB

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 Transaction Monitoring Specialist to support ongoing transaction monitoring across fiat and stablecoin flows. You’ll screen customers and counterparties, review sanctions screening hits, and investigate and escalation transaction monitoring alerts.

This role is ideal for someone looking for opportunities to grow into broader Compliance or Compliance Operations roles.

Responsibilities:

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 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

Onboarding

• While this is a transaction monitoring-focused role, it may include onboarding and client screening review. KYB/KYC experience is a plus.

Requirements

• 3+ years experience in 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
• 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.