AML Officer (Transactions & Merchant Onboarding)

Type Full-time

Location Remote

Position Overview The company is a globally recognized brand in the payments industry, working with international clients and maintaining high operational and compliance standards. We are seeking a Risk Officer with strong practical expertise in payments and merchant onboarding. The role requires deep operational knowledge of correspondent banking relationships, international payment flows, and merchant due diligence procedures.

Key Responsibilities 1. Payments & Correspondent Banking

• Demonstrate deep understanding of correspondent banking relationships.
• Manage payment chains and settlement flows.
• Work with SEPA, SWIFT, Faster Payments and other international schemes.
• Support transaction monitoring processes and understand monitoring rules and principles.
• Handle bank queries and transaction-related compliance checks.
• Support interactions with acquiring and banking partners.

2. Merchant Onboarding & Due Diligence

• Oversee Merchant Due Diligence procedures.
• Apply KYC principles and onboarding standards.
• Conduct company verification and documentation review.
• Participate in underwriting processes and merchant risk assessment.
• Define and apply onboarding, monitoring, and control criteria.

3. Risk & Compliance Support

• Conduct risk assessments and analyze documentation and reports.
• Identify risks and propose commercially viable controls.
• Support preparation for interactions with banks and acquiring partners.