Merchant Monitoring Analyst

Merchant Monitoring is one of the basic pillars of the Operations Department responsible for reviewing current activity of PayU Merchants in the EMEA region, as well as the enhancing check and controls of company’s portfolio to reduce several risks such as AML, Frauds, Credit Risk, Sanctions.The scope of Team activities is based on the Know Your Customer (KYC) procedures and Anti-Money Laundering (AML) regulations in cooperation with the Compliance and Risk Team.The role is dedicated to providing support in merchants' behavior analysis with enhanced verification and escalation of unusual patterns. Additionally, it also takes part in creating an overall framework dedicated to preventing negative consequences and implementing additional security measures. And now we are looking an analyst who would like to be a part of this team and bring our merchant monitoring to the next level.Excited yet? Continue reading to find out more about the role.Responsibilities:Conduct investigation of suspicious transactions and/or merchant behavior incl. credit risk review, fraud detection, AML/CFT investigations;Enhance analysis on unfavorable trends and changes of customer’s activity based on dedicated alerts, adverse media search and connected sources;Manage investigations covering risk identified on alerts basis and identifying potential portfolio threats – preventing risks of insolvency, bankruptcy etc.;Prepare and present reports related to credit and AML risk evaluation, and monitor AML-related issues and escalations;Deliver active support on AML topics and Merchant Monitoring team assignments;Address operational issues and stakeholders' concerns;Cooperate with Regulators, Legal, Compliance, Business and Technology Departments to improve merchant monitoring processes to the highest standards;Collaborate in a highly responsive team responsible for detecting suspicious merchant behaviorWho are we looking for?3+ years' experience or above in credit risk modelling, anti-money laundering, compliance monitoring or screening;Excellent understanding of AML regulations, policies, procedures;Significant experience in fraud risk monitoring and/or management;Hands-on experience with tools supporting analysis and reporting (tableau, excel and/or similar);Degree or above in Business Administration, Finance, Economics or relevant disciplines;Proficiency in both spoken and written Polish and English;Strong interpersonal and communication skills;Proficiency in analytical skills;Experience with SQL and/or Data Warehouse reporting would be an advantageWhat we offer?End-to-end responsibility for leading and improving the Merchant Monitoring process Employment under a contract of employment Benefits: ability to develop one’s own package in MyBenefit systemAccess to an internal training platformPossibility to work in a hybrid model Friendly work atmosphere in a cooperation-driven team, that will support you everydayWork in an international organization operating in a rapidly changing industryOur working environment:A diverse working environment within a multicultural settingAn inclusive environment that ensures we listen to a diverse range of voices when making decisionsA positive, get-things-done workplaceA dynamic, constantly evolving space (change is par for the course – important you are comfortable with this)Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scaleA democratic work environment where you can drive your outcomesWe use AI-supported features as part of our recruitment process to help summarize applications and assess how they align with the role. These tools support recruiters in reviewing applications more efficiently and do not replace human judgment. All final hiring decisions are made by humans.