Localisation Specialist, Merchant Due Diligence (CDD)

wolt; Warszawa; On-site; PLN 123,000 - 156,000; Full time

Job summary

Wolt License Services (WLS) is expanding its Financial Crime Prevention team and seeks a Localisation Specialist to own local CDD and merchant onboarding in designated EEA markets. You will work with Sales, Merchant Operations and Compliance to ensure onboarding remains compliant and efficient, reporting to the AML Lead.

You will interpret market-specific requirements, document processes and help onboard and monitor merchants while staying abreast of regulatory changes affecting local markets

Qualifications

• Bachelor's degree in Business, Law, Finance, Compliance or related field.
• 3+ years of experience in CDD, KYC/KYB, AML compliance, merchant onboarding, or related areas.
• Strong understanding of local business environments, legal entity structures and merchant onboarding in one or more EEA markets.
• Familiarity with AML/CFT regulations and CDD requirements for financial, payment or e-money institutions.
• Experience supporting operational teams, CDD or compliance activities in regulated environments.
• Excellent communication and stakeholder management, with ability to explain regulatory requirements practically.
• Strong analytical and problem-solving skills with attention to detail.
• Ability to work independently while collaborating with international teams.
• Professional fluency in English and knowledge of at least one local EEA language is advantageous.

Responsibilities

• Act as the local SME for merchant onboarding and CDD requirements within designated EEA markets.
• Support identification, interpretation and documentation of market-specific CDD requirements affecting onboarding and ongoing monitoring.
• Provide day-to-day guidance to local Sales, Merchant Operations and Onboarding teams regarding CDD requirements and documentation expectations.
• Support development and maintenance of onboarding guidance, procedures and training materials to ensure consistent CDD implementation.
• Identify local regulatory, legal and market developments impacting onboarding requirements and CDD processes.
• Collaborate with KYC/AML leads and risk teams to reflect local requirements in procedures, risk assessments and tooling.
• Assist in resolving complex CDD cases including ownership structures and high-risk industries.
• Participate in QA reviews and control monitoring to identify process improvements and efficiency gains.
• Support testing and implementation of onboarding enhancements and new products.

Skills

CDD

KYC/KYB

AML Compliance

Merchant Onboarding

Regulatory Knowledge

Stakeholder Management

Analytical

English Proficiency

Education

Bachelor's degree in Business, Law, Finance, Compliance

Job description

Budapest, Hungary; Tallinn, Estonia; Warsaw, Poland

About Wolt

At Wolt, we create technology that brings joy, simplicity and earnings to the neighborhoods of the world. In 2014 we started with delivery of restaurant food. Now we’re building the delivery of (almost) everything and you’ll find us in over 500 cities in 30 countries around the world. In 2022 we joined forces with DoorDash and together we keep on dreaming big and expanding across the globe.
Working at Wolt isn’t always easy, but it’s definitely exciting. Here you’ll learn more, build more, and ship more than in most other companies. You’ll be challenged a lot, but also have a lot of fun on the way. So, if you’re a self-starter with drive and entrepreneurial spirit, this could be the ride of your life.

About this Role:

Our company, Wolt License Services (WLS), is a dynamic organization specializing in payment and financial services for our parent company Wolt, a prominent platform marketplace, and Wolt’s customers. WLS currently manages all merchant payment flows across 22 markets, ensuring strict adherence to regulatory requirements, including AML, safeguarding customer funds, and maintaining robust internal controls. As a licensed and supervised payment and e-money institution, we are committed to upholding the highest standards of integrity, transparency and efficiency in our operations.

As we continue to expand our financial services and merchant base across Europe, we are seeking to strengthen our customer due diligence (CDD) by recruiting Localisation Specialists to join our Financial Crime Prevention function. The Localisation Specialist will act as the local market subject matter expert (SME) for merchant CDD requirements, supporting onboarding and ongoing monitoring activities across one or more EEA markets.

This role requires a strong understanding of local regulatory and business environments, CDD requirements and merchant onboarding practices. The Localisation Specialist will work closely with Sales, Merchant Operations, Compliance and Financial Crime Prevention teams to ensure merchant onboarding processes remain compliant, efficient and aligned with local market requirements. The role will report to the AML Lead.

What you'll be doing:

• Act as the local SME for merchant onboarding and CDD requirements within designated EEA markets.
• Support the identification, interpretation and documentation of local market-specific requirements affecting merchant onboarding, CDD, beneficial ownership verification and ongoing monitoring activities.
• Provide day-to-day guidance and support to local Sales, Merchant Operations and Onboarding teams regarding CDD requirements, documentation expectations, onboarding decisions and customer lifecycle events.
• Support the development and maintenance of local onboarding guidance, procedures, playbooks and training materials to ensure consistent implementation of CDD requirements.
• Assist in identifying local regulatory, legal and market developments that may impact merchant onboarding requirements and CDD processes.
• Collaborate with the KYC/B Lead, AML Compliance function and 1 LoD Financial Crime Prevention team to ensure local requirements are appropriately reflected in onboarding procedures, risk assessments, controls and tooling.
• Support onboarding operations in resolving complex CDD cases, including escalations related to ownership structures, legal entity verification, high-risk industries and local documentation requirements.
• Participate in quality assurance reviews and control monitoring activities to identify opportunities for process improvements and operational efficiencies.
• Support testing and implementation of onboarding process enhancements, new products, new market launches and CDD tooling developments.
• Foster a strong compliance culture by promoting awareness of CDD requirements and acting as a trusted advisor for local business stakeholders.

Our humble expectations:

• Bachelor's degree in Business, Law, Finance, Compliance, or a related field.
• 3+ years of experience in CDD, KYC/KYB, AML compliance, merchant onboarding, financial services operations or related areas.
• Strong understanding of local business environments, legal entity structures and merchant onboarding practices within one or more EEA markets.
• Familiarity with AML/CFT regulations and CDD requirements applicable to financial, payment or e-money institutions.
• Experience supporting operational teams, CDD or compliance-related activities in a regulated environment.
• Excellent communication and stakeholder management skills, with the ability to explain regulatory requirements in a practical and business-friendly manner.
• Strong analytical and problem-solving skills with attention to detail.
• Ability to work independently while collaborating effectively with international and cross-functional teams.
• Professional fluency in English and at least one local EEA language relevant to the supported markets is highly advantageous.

Compensation:

The successful candidate’s starting pay will fall within the pay range listed below and is determined based on factors such as the candidate’s skills, experience and qualifications. Please note, that the starting pay may vary if the candidate does not fully meet the expectations as outlined in this job posting.

The salary below is the monthly salary range for this position.

To learn more about our benefits, please do not hesitate to bring this up with our Talent Acquisition Partner!

The successful candidate's starting pay will fall within the pay range listed below and is determined based on a number of job-related factors including, but not limited to, skills, experience, qualifications, work location, and market conditions.
This position is not eligible for consideration for an equity/RSU grant.

Poland Pay Range

The successful candidate's starting pay will fall within the pay range listed below and is determined based on a number of job-related factors including, but not limited to, skills, experience, qualifications, work location, and market conditions.

This position is not eligible for consideration for an equity/RSU grant.

Our Commitment to Diversity and Inclusion

We’re committed to growing and empowering a more inclusive community within our company, industry, and cities. That’s why we hire and cultivate diverse teams of people from all backgrounds, experiences, and perspectives. We believe that true innovation happens when everyone has room at the table and the tools, resources, and opportunity to excel.