Senior Merchant Monitoring Analyst

Worldline; Warszawa; Hybrid; PLN 180,000 - 240,000; Full time

Benefits offered by this job

Private medical & life insurance

Public transportation allowance

Annual bonus

Job summary

Worldline is seeking a Risk Specialist to support merchant monitoring and KYC/AML compliance. The role focuses on assessing merchant risk, ensuring regulatory alignment, and maintaining up-to-date KYC data while collaborating with global stakeholders.

You will report to the Merchant Monitoring Team Manager and contribute to continuous improvement and knowledge sharing within an open, global team based in Warsaw.

Qualifications

• You understand KYC, AML, and regulatory requirements.
• Bachelor's degree in Finance, Business Administration, or related field.
• At least 4 years in a similar role within financial services (payments company or bank).
• Excellent attention to detail and analytical skills.
• Strong communication, presentation, and stakeholder management skills.
• Full working proficiency in English; Nordic languages are a plus.
• Ability to work with multiple computer systems/programs.

Responsibilities

• CDD: Review merchant profiles for regulatory compliance.
• Risk Assessment: Evaluate risk level based on business type, transaction volume, and location.
• Scheme compliance: Lookups in sanction list and Card Scheme databases.
• Documentation: Verify and request records of KYC activities and compliance-related documentation.
• Innovation: Contribute ideas for team and personal development.
• Ownership: Assess processes, identify gaps, implement improvements, and guide others.

Skills

KYC knowledge

AML knowledge

Analytical skills

Stakeholder management

English proficiency

Attention to detail

Regulatory compliance

Problem solving

Finance background

Education

Bachelor's degree in Finance or Business Administration

Tools

KYC platforms

Job description

Worldline helps businesses of all shapes and sizes to accelerate their growth journey - quickly, simply, and securely. We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. Our technology powers the growth of millions of businesses across 5 continents. And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.

The opportunity

As a risk specialist, you play a crucial role in ensuring that Worldline does not do business with any unlawful or fraudulent clients. You are also responsible to protect the company’s reputation and ensure we are not involved in any money laundering or other unlawful activities. As if you are a true detective/investigator, you conduct thorough research using external tools and sources for our existing merchants. In this role you report directly to the Team Manager of the merchant monitoring handling a specific market. The risk assessment done by the Merchant monitoring team could be a part of period reviews or triggered by Event Driven Reviews, both events triggers a new risk assessment. The process of risk assessing and analysing an existing merchant’s account ensures that we have updated KYC data and assess any changes that might affect the merchant’s risk level. The risk assessment of the merchant focuses on controlling and updating existing KYC information and reviewing the merchant’s behaviour and data from an AML perspective. You will also ensure that the merchant abides by the applicable standards and policies of Worldline.The team is mainly located in Warsaw; however, our stakeholders are all over the world. We are all hard-working, knowledgeable, dedicated, experienced, and fun individuals who look forward to having you on board and helping you to get up to speed. We are an open team and value continuous knowledge sharing among team members as we strive to become better every day. At the same time, having fun is important and bonds us as a team

Day-to-day responsibilities

• CDD: Review existing and new merchant profiles to ensure they are compliant with regulatory standards, internal policies, scheme and credit standards
• Risk Assessment: Evaluate the risk level of customers based on factors such as their business type, transaction volume, and geographic location
• Scheme compliance: Lookups in sanction list and Card Scheme databases
• Documentation: Verify and request accurate records of KYC activities, customer interactions, and compliance-related documentation.
• Innovation: Contributing to both the teams and personal development with ideas for improvement.
• Ownership: Assess working processes and procedures, identify shortcomings, perform gap analyses, and provide recommendations or take ownership on improvements. Pro- actively provide guidance, coaching and best practices, to the less experienced team members
• Training and Awareness: Stay updated on regulatory developments and industry best practices related to KYC and anti-money laundering (AML) to ensure compliance awareness among team members.

Who are we looking for

We look for people having a strong analytical and problem-solving skills and love to work with multiple stakeholders. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

• You have understanding of KYC, AML, and other regulatory requirements
• You've got substantial knowledge in finance, business administration, or a related field
• You have at least 4-year previous experience in a similar role within the financial services industry, preferably in a payments company or a bank
• You have an excellent attention to detail and analytical skills
• You are result-oriented and diligent with a strong ability to prioritize work in a fast-paced and changing environment
• You have excellent communication, presentation, and stakeholder management skills
• You have a good sense of responsibility and always strive for perfection and deliver simplicity
• You have full working proficiency in English both written and verbal
• Good command of Nordic languages will be a plus
• You are able to work with various computer systems/programs
• Private medical & life insurance
• Public transportation allowance
• Annual bonus

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology, and we look for big thinkers, people with passion, can-do attitude and a hunger to learn and grow. Here you'll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on the society. With an empowering culture, strong technology and extensive training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators and shape a tomorrow that is yours to own.

Learn more about life at Worldline at jobs.worldline.com

We are proud to be an Equal Opportunity employer.

We do not discriminate based upon race, religion, color, national origin, sex, sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.