Onboarding & Transaction Monitoring Analyst

About the role

Merge is hiring an Onboarding and Transaction Monitoring Analyst to support customer onboarding and ongoing transaction monitoring across fiat and stablecoin flows. You’ll conduct KYC/KYB reviews, screen customers and counterparties, and investigate and escalate transaction monitoring alerts.

Key responsibilities

• Conduct KYC/KYB reviews for individuals and businesses during onboarding, including corporate structure analysis and source of funds verification.
• Perform customer due diligence (CDD) and, under guidance, enhanced due diligence (EDD) on higher‑risk clients, and run PEP, sanctions and adverse media screening.
• Review and investigate transaction monitoring alerts for fiat and stablecoin transactions, assessing unusual patterns, velocity and counterparty activity.
• Document evidence‑based investigation conclusions and escalate suspicious activity according to internal procedures, supporting STR/SAR case preparation.
• Maintain accurate case records within service level agreements and respond to customer queries on KYC/KYB and AML checks.

Required profile

• Experience in KYC/KYB, transaction monitoring, AML or fraud/risk operations, preferably within fintech, payments or an EMI/PSP.
• Working knowledge of AML/CFT fundamentals, EU sanctions regimes (EU, OFAC, UN), and PEP screening, with awareness of French regulatory expectations.
• Strong attention to detail and ability to handle high case volumes without cutting corners.
• Analytical mindset comfortable digging into transaction patterns and forming defensible, evidence‑based conclusions.
• Ownership of workload and sound judgment, escalating promptly to the MLRO or compliance lead when necessary.