AML Analyst

Descripción del puesto:

Job Description

AML Analyst

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

AML Officer - Acquiring is a key member of the risk and compliance function, responsible for the proactive monitoring, investigation, and mitigation of anti-money laundering (AML) risks related to merchants using card acceptance services (POS, e-commerce, etc.).

Day-to-Day Responsibilities

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* Conduct ongoing AML monitoring of merchants, focusing on high-risk MCCs, cross-border activities, and non-face-to-face business models.

* Lead Enhanced Due Diligence (EDD) reviews and periodic risk re-assessments of merchants.

* Investigate alerts and prepare Suspicious Activity Reports (SARs) in accordance with local and EU AML regulations.

* Review onboarding requests from an AML/CFT perspective and provide approval recommendations.

* Stay up to date with evolving AML regulations (e.g., EU AML Directives, FATF guidelines) and ensure internal policies and procedures remain compliant.

* Oversee daily monitoring of transactional activity for suspicious or fraudulent patterns across POS and e-commerce merchants.

* Design, implement, and fine-tune AML detection rules within AML monitoring systems (e.g., rule-based engines, machine learning models).

* Lead AML case investigations, assess merchant-level risks, and recommend corrective or preventive actions (e.g., merchant suspension, onboarding block).

* Perform root cause analysis and contribute to the continuous enhancement of prevention strategies.

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