About Merge
Merge is a regulated stablecoin payments infrastructure platform enabling enterprises to move money globally in real time. We combine stablecoin rails with local instant payment systems to deliver faster, cheaper, and more transparent cross-border payments and treasury workflows. Merge serves fintechs, investment platforms, marketplaces, and corporate treasury teams globally.
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.
This role is ideal for someone early in their AML career looking to gain hands-on experience in fintech and digital-asset compliance, with opportunities to grow into broader Compliance or Compliance Operations roles.
Resposibilities:
Onboarding
Conduct KYC/KYB reviews for individuals and businesses at onboarding
Review corporate structures, UBOs, directors, shareholders and source of funds/wealth
Perform CDD and, under guidance, EDD on higher-risk customers
Run PEP, sanctions and adverse media screening and clear or escalate matches
Assign risk classifications and flag inconsistencies or red flags in documentation
Support periodic and event-driven customer reviews
Transaction Monitoring
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
Case Quality & Support
Maintain accurate case records within agreed SLAs
Support customer queries 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
Requirements
Experience in KYC/KYB, transaction monitoring, AML operations, or fraud/risk operations — background in fintech, payments, or an EMI/PSP preferred;
Working knowledge of AML/CFT fundamentals, EU sanctions regimes (EU, OFAC, UN lists) and PEP screening, with awareness of French regulatory expectations (ACPR guidelines, TRACFIN reporting obligations);
Strong attention to detail and comfort working through high case volumes without cutting corners;
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 a closer look.
Skills Required
- Experience in KYC/KYB, transaction monitoring, AML operations, or fraud/risk operations
- Background in fintech, payments, or an EMI/PSP
- Working knowledge of AML/CFT fundamentals
- Knowledge of EU, OFAC, and UN sanctions regimes
- Knowledge of PEP screening
- Awareness of French regulatory expectations, including ACPR guidelines and TRACFIN reporting obligations
- Strong attention to detail and ability to manage high case volumes accurately
- Analytical ability to investigate transaction patterns, fund flows, and customer activity
- Sound judgment and willingness to escalate issues to the MLRO or compliance lead
What We Do
Merge is a regulated stablecoin payments infrastructure platform enabling enterprises to move money globally in real time. We combine stablecoin rails with local instant payment systems to deliver faster, cheaper, and more transparent cross-border payments and treasury workflows. Merge serves fintech companies, investment platforms, marketplaces, and corporate treasury teams globally, improving cross-border payments, liquidity management, FX execution, and treasury operations.
