Senior KYC Analyst
trustly · Lisbon, Portugal (EU) ·
- Work mode
- Hybrid
- Seniority
- Senior
About the Team
This role sits within our Financial Crime Prevention (FCP) function, part of our Operations organisation supporting Trustly’s rapidly growing global payments ecosystem. The team plays a critical role in protecting both consumers and merchants by ensuring regulatory compliance, managing financial crime risks, and supporting secure and seamless payment experiences across our platform.
About the role
Driven by rapid growth and a commitment to operational excellence, Trustly is seeking a Senior KYC Analyst to join our Financial Crime Prevention (FCP) function. In this role, you will help safeguard Trustly’s ecosystem through in-depth investigations and risk assessments across both consumer and merchant-related activities.
You will work cross-functionally to support complex KYC workflows, transaction monitoring investigations, sanctions and PEP escalations, and Enhanced Due Diligence (EDD) reviews. The role requires strong analytical capability, sound risk judgment, and the ability to navigate fast-paced operational environments while maintaining high regulatory standards.
What You'll do
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Conduct detailed KYC, EDD, and ODD investigations across both consumer and merchant populations
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Analyse transaction activity, behavioral patterns, and risk indicators to identify potential suspicious activity or financial crime risks
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Perform sanctions, PEP, and adverse media screening reviews and investigations
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Support merchant and consumer onboarding reviews in line with AML/CFT regulatory requirements and internal controls
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Document investigations, risk decisions, and supporting evidence to ensure full auditability and regulatory compliance
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Identify and escalate high-risk or unusual activity to relevant internal stakeholders
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Conduct peer reviews and contribute to quality assurance processes across investigations and remediations
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Support continuous improvement initiatives, operational efficiencies, and updates to internal KYC/AML procedures and controls
Who you are
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You have solid experience within KYC/AML, ideally covering both consumer and merchant-related investigations in Fintech, Payments, Banking, or Financial Services environments
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You have hands-on experience with Enhanced Due Diligence (EDD), transaction monitoring, sanctions/PEP screening, and adverse media reviews
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You possess strong analytical skills with the ability to identify suspicious behaviors, transaction anomalies, and emerging financial crime risks
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You have a strong understanding of AML/CFT regulations and risk-based decision-making frameworks
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You are detail-oriented, highly organized, and comfortable managing multiple priorities in fast-paced operational environments
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You are collaborative, proactive, and able to communicate complex risk findings clearly to both technical and non-technical stakeholders
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You maintain high standards of integrity and confidentiality when handling sensitive information
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You are fluent in English, both written and verbal