This is Worldline

We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. The solutions our people build today power the growth of millions of businesses tomorrow. From your local coffee shop to unicorns and international banks. From San Francisco to Auckland. We are in every corner of the world, in every part of commerce.  And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.

The Opportunity

As a Senior Merchant Monitoring Analyst, you play a crucial role in ensuring that Worldline does not do business with any unlawful or fraudulent clients. You are also responsible to protect the company’s reputation and ensure we are not involved in any money laundering or other unlawful activities. This role involves sophisticated analysis of merchant activities, AML/CTF compliance, and regulatory adherence within the payment processing environment.

The risk assessment done by the Merchant Monitoring Team could be a part of period reviews or triggered by Event Driven Reviews. The process of risk assessing and analysing an existing merchant’s account ensures that we have updated KYC data and assess any changes that might affect the merchant’s risk level. The risk assessment of the merchant focuses on controlling and updating existing KYC information and reviewing the merchant’s behaviour and data from an AML perspective. You will also ensure that the merchant abides by the applicable standards and policies of Worldline.

Day-to-day responsibilities

• Conducting due diligence reviews based on merchant risk profiles 
• Performing detailed analysis of merchant activities to identify suspicious behavior and potential compliance violations
• Monitoring and investigating high-risk merchant categories including adult services, gaming, and other regulated industries
• Executing periodic reviews of merchant licensing, passporting requirements, and business substance validation
• Conducting detailed reviews of sanction list hits, PEP alerts, and adverse media findings
• Performing comprehensive analysis of merchant websites, business models, and operational practices
• Ensuring compliance with AML/CTF regulations and payment scheme requirements
• Maintaining accurate documentation for regulatory reporting and audit purposes
• Conducting merchant outreach for information gathering and clarification requests
• Collaborating with 2nd Line Compliance team on high AML risk cases

Who Are We Looking For

We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

• You have minimum 4-5 years of experience in financial services, compliance, or risk management
• You have understanding of KYC, AML, and other regulatory requirements
• You've got substantial knowledge in finance, business administration, or a related field
• You have an excellent attention to detail and analytical skills
• You  work independently and manage multiple complex cases
• You have excellent communication, presentation, and stakeholder management skills
• You have full working proficiency in English both written and verbal

Perks & Benefits

At Worldline you’ll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also:

• Private medical & life insurance
• MyBenefit Platform
• Holiday allowance
• Referral program
• Public transportation allowance
• Meal allowance
• Annual bonus

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology, and we look for big thinkers, people with passion, can-do attitude and a hunger to learn and grow. Here you’ll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on the society. With an empowering culture, strong technology and extensive training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators and shape a tomorrow that is yours to own.

Learn more about life at Worldline at jobs.worldline.com

We are proud to be an Equal Opportunity employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.

Pursuant to the Article 24 sec. 6 of the Act of 14 June 2024 on the protection of whistleblowers, we inform you that Worldline Financial Services (Europe) S.A., a joint-stock company, Branch in Poland (hereinafter referred to as Worldline) is governed by the Regulations on the receipt of internal reports and taking follow-up actions (hereinafter referred to as the Regulations). 

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