Onboarding and Transaction Monitoring Analyst
Merge helps Web3 companies access banking and payment services by providing APIs that bridge fiat and cryptocurrency ecosystems.
Funding history
About Merge
Merge helps Web3 and crypto companies access traditional financial services by providing API-based banking and payment infrastructure. Users can create bank accounts, send global payments, and convert between fiat and stablecoins through a single integration. Merge addresses regulatory compliance challenges while enabling crypto businesses to operate with tier-1 banking partners.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will conduct KYC/KYB and due-diligence reviews for customers, screen customers and counterparties, and assign risk classifications. You will investigate fiat and stablecoin transaction alerts, document evidence-based conclusions, support STR/SAR case preparation, maintain case records, and respond to compliance-related customer queries.
Requirements
- Experience in KYC/KYB, transaction monitoring, AML operations, or fraud and risk operations
- Knowledge of AML/CFT fundamentals, EU sanctions regimes, PEP screening, ACPR guidelines, and TRACFIN reporting obligations
- Attention to detail when handling high case volumes
- Ability to analyze transaction patterns and fund flows
- Ability to form evidence-based conclusions and escalate concerns appropriately
Responsibilities
- Conduct KYC/KYB reviews for individuals and businesses
- Review corporate structures, UBOs, directors, shareholders, and source of funds or wealth
- Perform CDD and EDD for higher-risk customers under guidance
- Run PEP, sanctions, and adverse-media screening
- Assign risk classifications and identify documentation red flags
- Support periodic and event-driven customer reviews
- Review transaction-monitoring alerts across fiat and stablecoin transactions
- Investigate unusual transaction patterns, velocity, and counterparty activity
- Assess transaction behaviour against customer profiles
- Document evidence-based investigation conclusions
- Escalate suspicious activity and support STR/SAR case preparation
- Review payment exceptions, rejected transactions, and unusual beneficiary activity
- Maintain accurate case records within agreed SLAs
- Support customer queries on KYC/KYB, AML checks, and documentation requests
- Flag recurring issues and patterns for process improvement
