Senior KYC Analyst

Trustly; Lisboa; Híbrido; EUR 45 000 - 70 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Holiday allowance 20-25 days

Monthly team outing

Office refreshments

Meal card

Health & wellbeing allowance

Other benefits

Resumo da oferta

Trustly, a global leader in Open Banking Payments, seeks a Senior KYC Analyst within the Financial Crime Prevention team. You will safeguard our ecosystem through in-depth KYC, EDD, and risk assessments across consumer and merchant activities.

You will handle transaction monitoring, sanctions/PEP screening, and Enhanced Due Diligence, communicating findings clearly to technical and non-technical stakeholders while ensuring regulatory compliance and audit readiness.

Qualificações

• Experience in KYC/AML investigations across consumer and merchant populations.
• Hands-on experience with Enhanced Due Diligence (EDD) and transaction monitoring.
• Strong understanding of AML/CFT regulations and risk-based decision making.
• Detail oriented, organized, capable of handling multiple priorities in a fast-paced environment.

Responsabilidades

• Conduct detailed KYC, EDD, and ODD investigations across consumer and merchant populations.
• Analyze transaction activity and risk indicators to identify suspicious activity.
• Perform sanctions, PEP, and adverse media screening reviews and investigations.
• Support onboarding reviews in line with AML/CFT requirements and internal controls.
• Document investigations and risk decisions for auditability and regulatory compliance.
• Elevate high-risk activity to internal stakeholders and contribute to QA processes.
• Support continuous improvement of KYC/AML procedures and controls.

Conhecimentos

KYC/AML investigations

Transaction monitoring

Sanctions/PEP screening

Risk assessment

Analytical thinking

Descrição da oferta de emprego

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.

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

This role sits within our Financial Crime Prevention (FCP) function, part of our Operations organisation supporting Trustly’s rapidly growing global payments ecosystem. The team plays a critical role in protecting both consumers and merchants by ensuring regulatory compliance, managing financial crime risks, and supporting secure and seamless payment experiences across our platform.

About The Role

Driven by rapid growth and a commitment to operational excellence, Trustly is seeking a Senior KYC Analyst to join our Financial Crime Prevention (FCP) function. In this role, you will help safeguard Trustly’s ecosystem through in-depth investigations and risk assessments across both consumer and merchant-related activities.

You will work cross-functionally to support complex KYC workflows, transaction monitoring investigations, sanctions and PEP escalations, and Enhanced Due Diligence (EDD) reviews. The role requires strong analytical capability, sound risk judgment, and the ability to navigate fast-paced operational environments while maintaining high regulatory standards.

What You'll Do

• Conduct detailed KYC, EDD, and ODD investigations across both consumer and merchant populations
• Analyse transaction activity, behavioral patterns, and risk indicators to identify potential suspicious activity or financial crime risks
• Perform sanctions, PEP, and adverse media screening reviews and investigations
• Support merchant and consumer onboarding reviews in line with AML/CFT regulatory requirements and internal controls
• Document investigations, risk decisions, and supporting evidence to ensure full auditability and regulatory compliance
• Identify and elevate high-risk or unusual activity to relevant internal stakeholders
• Conduct peer reviews and contribute to quality assurance processes across investigations and remediations
• Support continuous improvement initiatives, operational efficiencies, and updates to internal KYC/AML procedures and controls

Who You Are

• You have solid experience within KYC/AML, ideally covering both consumer and merchant-related investigations in Fintech, Payments, Banking, or Financial Services environments
• You have hands-on experience with Enhanced Due Diligence (EDD), transaction monitoring, sanctions/PEP screening, and adverse media reviews
• You possess strong analytical skills with the ability to identify suspicious behaviors, transaction anomalies, and emerging financial crime risks
• You have a strong understanding of AML/CFT regulations and risk-based decision-making frameworks
• You are detail-oriented, highly organized, and comfortable managing multiple priorities in fast-paced operational environments
• You are collaborative, proactive, and able to communicate complex risk findings clearly to both technical and non-technical stakeholders
• You maintain high standards of integrity and confidentiality when handling sensitive information
• You are fluent in English, both written and verbal

Our Fantastic Benefits (varies by location)

• 20 to 25 days of holiday
• Monthly team outing allowance
• Office perks such as refreshments (coffee, sodas etc.), breakfast, fruit and snacks
• Meal card to enjoy a daily lunch allowance
• 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.

If your skills and experience align with this role, we’d love to hear from you!