Transaction monitoring specialist - Payments Fintech

Overview

Merge is hiring a 1LoD Transaction Monitoring Specialist to support ongoing transaction monitoring across fiat and stablecoin flows, screening customers and counterparties and reviewing sanctions screening hits.

What you'll do

• 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
• 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
• May include onboarding and client screening review

What you'll need

• 3+ years experience in transaction monitoring, AML operations, or fraud/risk operations
• Working knowledge of AML/CFT fundamentals, EU sanctions regimes (EU, OFAC, UN lists) and PEP screening
• 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

Nice to have

• Background in fintech, payments, or an EMI/PSP
• KYB/KYC experience

Details

• Location: Bengaluru