Merchant KYC Analyst

Trustly; Lisboa; Presencial; EUR 36 000 - 48 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Holiday 20-25 days

Team outing allowance

Office perks and snacks

Meal card

Wellbeing benefit

Resumo da oferta

Trustly Lisbon is seeking a Merchant KYC Analyst to perform customer due diligence for new corporate clients and monitor ongoing CDD for existing accounts. You will work closely with Sales, Compliance, and Legal to understand the client’s business, regulatory requirements, and ownership structure.

You will verify documentation, conduct sanctions/PEP screening, and perform enhanced due diligence with internal and external sources, documenting key findings and rationales for risk-based decisions.

Qualificações

• 2+ years of corporate and institutional CDD/ onboarding experience in regulated environments.
• Knowledge of EU regulatory landscape is required.
• Strong analytical and communication skills in English.
• Ability to work under pressure in a fast-growing environment.

Responsabilidades

• Ensure CDD documentation is accurate and complete.
• Conduct investigations with internal/external sources to verify documentation.
• Communicate with Sales and sometimes with the merchant to clarify information.
• Perform sanctions and PEP screening using internal tools.
• Conduct enhanced due diligence and adverse media research.
• Maintain customer profiles and document key findings.

Conhecimentos

CDD

Regulatory risk

Analytical thinking

English fluency

Attention to detail

Independent work

Ferramentas

SQL

Descrição da oferta de emprego

WHO WE ARE

At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.

Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like.

Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.

ABOUT THE TEAM

The main purpose of the Merchant KYC team is to conduct customer due diligence processes (CDD) and risk assessment of prospective merchants delivered by the Sales team and to conduct recurring follow-up CDD on existing clients (corporate/institutional) and partners. The team is part of the larger Financial Crime Operations team, which consists of AML operations, transaction screening, monitoring and reporting (SAR).

ABOUT THE ROLE

Due to our rapid growth and commitment to excellent internal service, we're hiring a Merchant KYC Analyst. In this role, you will be primarily responsible for conducting customer due diligence (CDD) for new corporate clients and managing ongoing CDD and monitoring for existing ones in accordance with Trustly's Global Risk Assessment. You'll dive deep to understand the prospect's line of business and purpose of business relationship with Trustly, regulatory/licensing requirements, flow of funds, and their organisational structure. This role involves close teamwork with our Sales, Tech, Compliance, and Legal departments, and you'll report directly to the KYC Manager.

• Ensure that the CDD documentation submitted is accurate and complete
• Conduct investigations using internal and external sources to independently verify submitted CDD documentation or complete missing pieces (where applicable)
• Communicate with Sales department and sometimes with the prospective merchant directly to clarify or acquire missing information
• Perform sanctions and PEP screening using internal tools
• Conduct enhanced due diligence using internal and external sources
• Perform adverse media research
• Compile and maintain customer profiles, document key findings and rationale
• Conduct follow up CDD & monitoring routines on existing corporate clients and partners
• Deal with ad-hoc matters related to existing client base (transfers of agreements, regulatory & licensing affairs, group agreements and etc.) involving Legal and Compliance teams where necessary.
• Keep all relevant internal records up-to-date
• Maintain customer profiles, document key findings and rationale behind decisions.
• Escalate findings internally when necessary and take part in further discussions with internal or external stakeholders.
• Perform monitoring routines on customers’ online presence.
• Conduct risk-based follow-up CDD whenever necessary
• 2+ years of corporate and institutional customer due diligence, underwriting or onboarding experience in the regulated environment, corporate banking, financial services or Fintech
• Knowledge within the gaming and Financial Service environment is considered an advantage
• Knowledge of EU regulatory landscape
• Critical/analytical thinking; ability to prioritize and differentiate between what is a distraction and what really matters
• Ability to work under pressure in a rapidly changing, high-growth environment
• Ability to make a rational decision considering relevant risks and take responsibility for such decisions
• Highest ethical standards
• Ability to work independently under minimal supervision when necessary
• Attention to detail, natural curiosity and desire to drill down to the root of the matter
• Highly organized and cooperative skills
• Superb verbal and written command of the English language
• Knowledge of SQL considered an advantage

Our Fantastic Benefits

(varies by location)

• 20 to 25 days of holiday to support a healthy work-life balance
• Monthly team outing allowance to enjoy social events with your colleagues
• Office perks such as refreshments (coffee, sodas etc.), breakfast, fruit and snacks
• Meal card toenjoy a daily lunch allowance to make your workdays even more convenient
• Well being support our health allowance covers gym memberships, massages, and much more to help you feel your best

PLUS additional benefits designed to enhance your work-life experience!

Shape Your Role and Make an Impact

Join a dynamic environment where you can take ownership, drive change, and continuously embrace new challenges. We’re looking for dedicated and highly motivated individuals who thrive in a fast-paced environment and enjoy collaborating across different areas of the organisation.