Risk Operations Specialist
Full-time
Merge
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:As a Risk Operations Specialist, you will support the day-to-day operation of Merge's financial crime and risk framework across fiat and stablecoin transactions. You will work across the customer lifecycle - from onboarding and KYC/KYB through ongoing monitoring, transaction reviews, investigations and escalation.
The role will involve working closely with Compliance, Operations, Product, Engineering, Customer Success and Payments teams.
Key responsibilities1. KYC / KYB & Customer Onboarding
1. Conduct KYC/KYB reviews for individuals and businesses during onboarding. 2. Review corporate structures, UBOs, directors, shareholders and source of funds/wealth. 3. Perform CDD and EDD on higher-risk customers and counterparties. 4. Conduct PEP, sanctions, adverse media and other screening. 5. Assess customer risk and determine appropriate risk classifications. 6. Identify inconsistencies, gaps or red flags in customer documentation. 7. Support periodic and event-driven customer reviews. 8. Escalate higher-risk cases to Compliance / MLRO where required. 2. Transaction Monitoring 1. Review transaction monitoring alerts across fiat and stablecoin transactions. 2. Investigate unusual transaction patterns, velocity, counterparties and transaction flows. 3. Identify potential AML, fraud, sanctions and financial crime risks. 4. Analyse transaction history and customer behaviour to determine whether activity is consistent with the customer's profile. 5. Investigate alerts and document clear, evidence-based conclusions. 6. Escalate suspicious activity in accordance with internal procedures. 7. Support preparation of STR/SAR cases and regulatory reporting where required. 3. Payments & Risk Operations 1. Develop a strong understanding of cross-border payment flows, including SEPA, SWIFT, correspondent banking and stablecoin transfers. 2. Review payment exceptions, rejected transactions, unusual beneficiary activity and payment-related risk events. 3. Support controls around fiat-to-crypto and crypto-to-fiat flows. 4. Monitor operational risk indicators and identify emerging patterns. 5. Work with Operations and Payments teams to resolve customer and transaction issues while maintaining appropriate compliance controls. 6. Support fraud and financial crime investigations. 4. Sanctions & Financial Crime 1. Conduct sanctions and PEP screening and investigate potential matches. 2. Review adverse media and other external risk indicators. 3. Support investigations involving fraud, money laundering, terrorist financing and sanctions exposure. 4. Monitor emerging financial crime typologies relevant to digital assets and cross-border payments. 5. Maintain appropriate case documentation and audit trails. 5. Stablecoin Transaction Compliance 1. Review blockchain transactions and wallet activity where relevant. 2. Use blockchain analytics and KYT tools to assess wallet and transaction risk. 3. Understand risks associated with mixers, high-risk jurisdictions, sanctioned addresses, scams, fraud and other illicit activity. 4. Support Travel Rule compliance and related operational processes. 5. Develop familiarity with MiCA/CASP requirements and the interaction between digital asset and traditional payment compliance. 6. Compliance Operations & Controls 1. Maintain accurate records of KYC, transaction monitoring and investigation cases. 2. Ensure cases are handled within agreed SLAs. 3. Perform quality checks on KYC and transaction monitoring decisions. 4. Identify recurring operational issues and recommend improvements. 5. Help develop and maintain SOPs, workflows and compliance controls. 6. Support internal and regulatory audits. 7. Produce operational MI and reporting for Compliance and Risk management. 8. Help improve automation and tooling across compliance operations. 7. Customer Support & Risk Operations 1. Support customer queries related to KYC/KYB, AML checks, transaction monitoring and compliance requirements. 2. Assist with customer requests for additional documentation, source of funds/wealth and EDD. 3. Investigate customer-reported issues involving delayed, rejected, blocked or held transactions. 4. Work with Customer Success, Payments and Operations to resolve risk-related customer issues while maintaining compliance controls. 5. Escalate higher-risk cases and identify recurring issues to improve customer experience and risk processes. 6. At Merge, customer support is a shared responsibility across the organization. Every team member is expected to contribute to customer support activities when required, helping investigate issues, resolve customer queries, and ensure a high standard of customer experience. Job Requirements- Experience in compliance, AML, financial crime, risk operations, KYC/KYB or transaction monitoring.
- Experience within a regulated financial institution, EMI, PI, bank, fintech, or digital asset business.
- Strong practical experience in KYC/KYB, CDD/EDD and transaction monitoring.
- Experience investigating transaction monitoring alerts and making risk-based decisions.
- Understanding of AML/CFT, sanctions, PEP and adverse media screening.
- Experience working with complex customer or transaction investigations.
- Good understanding of cross-border payments and payment flows.
- Strong analytical and investigative skills.
- Excellent written documentation and case-management skills.
- Ability to work independently and make sound risk-based decisions.
- Strong attention to detail without losing sight of operational efficiency.
Vacancy posted 28 days ago
Similar jobs that could be interesting for youBased on the Risk Operations Specialist in India vacancy
- ...income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit—ultimately creating... ...most innovative lenders do business. You'll own the full HR operations lifecycle, onboarding, compliance, conduct management, employee...SuggestedFull timeWork at officeRemote workShift workNight shift
- ...Visa, Robinhood, and PayPal. About the team The Governance, Risk & Compliance (GRC) Team is responsible for establishing and... ...compliance, and support continuous improvement of security and operational processes. About the role The GRC Analyst supports the development...SuggestedRemote jobFull time
- ...evaluate and assess the effectiveness of the Bank’s governance, risk management and control processes. This role includes, but is... ...Conducting and supporting internal audits by evaluating the operating effectiveness of the design and implementation of controls within...SuggestedFull timeWork experience placementFlexible hoursShift work
- ...Job Summary: We are looking for a Finance Operations Associate to support daily finance processes, maintain financial records, process transactions, prepare reports and coordinate with internal teams. Key Responsibilities: Support day-to-day finance and...Suggested
SkillLabs
India3 days ago - Job Description We are looking for a Finance Operations Associate to support day-to-day financial and business operations. The role involves handling financial processes, maintaining accurate records, supporting reporting activities, and coordinating with internal teams...Suggested
SkillLabs
India4 days ago - ...a positive and productive work environment by committing to live our values of Be Courageous, Charge Together, Love our Customers, Operate with Openness, and Relentlessly Pursue Awesome. These values guide how we show up every day, align, and work together to build a brighter...Full time
ChargePoint
India9 days ago - ...their greatest potential. Title and Summary Manager – Support Operations & Process Improvements Overview We are seeking a highly... ...Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every...Full timeWorldwide
- ...analysis, execute on recommendations and identify financial impact of operational incidents • Reconcile outstanding account balances and assist... ...accounts • Conduct process mapping to identify significant risks and controls • Perform internal controls (Quality Assurance,...Full timeWork experience placement
- ...their greatest potential. Title and Summary Manager, Product Operation - API and SQL Who is Mastercard? Mastercard is a global technology... ...assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every...Full timeWorldwide
- ...their greatest potential. Title and Summary Manager - Revenue Operations (Strategy and Transformation) Overview of Mastercard Services... ...Ensure disciplined program governance, milestone tracking, risk management, and value realization 3. Process Optimization...Full timeWorldwide
- .... Title and Summary Manager, Product Management – Resiliency Operations (Stand-In & On-Demand Decisioning) Manager, Product Management... ...-Demand Decisioning) Issuers face a myriad of authorization risks that come in many forms. Crisis events, such as cyberattacks or...Full timeLocal areaWorldwide
- ...Analyst, Market Delivery This role will be focused on supporting AI Network Service(AINS) customers that utilize our Transaction Risk Monitoring product via the Mastercard Payments Gateway Service (MPGS). The role will primarily be focused on working with existing and...Full timeLocal areaWorldwide
- ...playing an active role ensuring the firm's profit and loss and risks are managed and reported. Core components of the function are as... ...and balance sheets, ensuring consistency across front-to-back operations. Monitor trades and positions to help identify discrepancies and...Full timeWork at office
- Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization...Full time
- ...Insights and Enablement team strives to drives smarter decisions and operational excellence for Services, by leveraging data and technology.... ...assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person...Full timeWorldwide
- ...inspired is expected and making a meaningful impact is rewarded. Position details We are looking for proactive and detail-oriented Operation Analyst monitor and support IT Infrastructure and application systems Operation Analyst will assess and escalate alerts and events...Full timeShift workRotating shift
- ...Regulatory classification and other suitability assessments like risk and enhance due diligence based on scenario. The individual... ...will be responsible to conduct Know Your Customer (“KYC”) Operations services including Customer Due Diligence (“CDD”) for New to Bank...Full timeWork experience placementWork at officeLocal area
- ...Overview: Responsible for all aspects of the technology and operational relationship with key customers. Established individual contributor... ...assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person...Full timeWorldwide
- ...This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes...Full timeWork at officeRemote workRelocationHome officeFlexible hoursShift work
- ...client documentation from the client (with the help of the RMs), ability to research and analyze large amounts of data and assess higher risk attributes (geographical, product/service, entity/industry type, transactional, etc.) Following up on client profiles (In line...Full timeShift work
- ...RAM/FRT activities, health checks system, and incident/problem management. Work closely with stakeholders to ensure stable AML operations across branches and business units. AML Domain & Actimize Functional Expertise Apply strong understanding of AML...Full timeLocal area
- ...business imperative and it's embedded into our talent strategy, decision-making, and culture to ensure that every individual and team operates at their full potential. By doing so, we unlock better collaboration, stronger innovation, and superior investment outcomes....Full timeWork at office
- ...project records and documentation to support audit, compliance, and operational requirements. • Identify opportunities to improve project... ...assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person...Full timeContract workFor contractorsWorldwide
- ...greatest potential. Title and Summary Senior Analyst, Settlement Operations Who is Mastercard? Mastercard is a global technology... ...related to settlement process flows, operational controls, and risk mitigation. The ideal candidate is passionate, highly motivated...Full timeWorldwide
- ...Responsible for supporting the Global Financial Crimes Compliance Testing (“GFCCT”) function in performing deep dives and targeted risk-based thematic reviews of financial crimes compliance (AML, Sanctions, ABC) processes globally with an emphasis on the design and effectiveness...Full timeWork experience placementLocal area
- ...Workflow management (function to manage workflow process for alert / case detected in Transaction Monitoring.) Functions to do operations using alerts or cases [creation, assign, Hibernation, etc.] Reporting/Investigation (creation of internal and external reports,...Full timeLocal area
- ...experienced and detail-oriented Senior Analyst to join our Treasury Operations team. This role sits at the heart of our day-to-day financial... ...improvements that enhance operational efficiency and reduce risk. Support the documentation and maintenance of operational procedures...Full timeWork at officeFlexible hours3 days per week
- ...systems to ensure the completeness and accuracy of transaction/customer data, to detect control breaks and mitigate financial crimes risk Assist in preparing written reports which summarize the objectives, scope, findings and conclusions for each assigned review....Full timeWork at office
- ...requirements and consider them when building business cases models Co-operate with the legal department to incorporate the business case... ...both customers and internal executives. Ability to balance risks and opportunities and provide actionable recommendations....Full timeContract workLocal areaWorldwide
- ...choice with stakeholders across Mastercard, enabling business operations efficiency, productivity, and growth. With over 1,100 professionals... ...request and issues. • Identify and report any potential risk or issues. • Interacts with corporate and business units. •...Full timeWorldwideShift work
Do you want to receive more vacancies?
Subscribe and receive similar vacancies to Risk Operations Specialist. Be the first to apply!
