Merchant KYC Analyst

6w1 month ago

Trustly

London, GB · Full-time · £45,000 – £65,000

About this role

Trustly is leading the human-centric payments revolution by building the most convenient, intelligent and responsible way of paying online. The Merchant KYC Analyst conducts customer due diligence for new corporate clients and manages ongoing CDD for existing ones per Trustly's Global Risk Assessment. You'll dive deep into prospects' lines of business, flow of funds and organisational structures.

Day-to-day involves ensuring CDD documentation is accurate and complete, conducting investigations with internal and external sources to verify details. Perform sanctions and PEP screening, enhanced due diligence, and adverse media research. Communicate with Sales and merchants to clarify or acquire missing information.

The KYC team handles CDD and risk assessment for prospective merchants from Sales, plus recurring follow-up on clients and partners. It's part of the larger Financial Crime Operations team covering AML, transaction screening and SAR reporting. Close teamwork occurs with Sales, Tech, Compliance and Legal departments.

Due to rapid growth, Trustly connects thousands of businesses with hundreds of millions of people across Europe and the Americas. As a global team, our appetite for innovation remains fierce, driven by industry-leading tech and ingenuity of our people. Report directly to the KYC Manager in this high-growth environment.

Requirements

2+ years of corporate and institutional customer due diligence, underwriting or onboarding experience in regulated financial services
Knowledge of EU regulatory landscape
Critical/analytical thinking with ability to prioritize and differentiate key matters
Ability to work under pressure in a rapidly changing, high-growth environment
Ability to make rational decisions considering relevant risks and take responsibility
Highest ethical standards

Responsibilities

Ensure that the CDD documentation submitted is accurate and complete
Conduct investigations using internal and external sources to verify submitted CDD documentation
Communicate with Sales department and prospective merchants to clarify or acquire missing information
Perform sanctions and PEP screening using internal tools
Conduct enhanced due diligence and adverse media research
Compile and maintain customer profiles, documenting key findings and rationale
Conduct follow-up CDD and monitoring routines on existing corporate clients and partners
Escalate findings internally and participate in discussions with stakeholders