Risk Operations Specialist

About the role

Merge is a regulated stablecoin payments infrastructure platform that enables real‑time global money movement. As a Risk Operations Specialist you will support the day‑to‑day operation of Merge’s financial‑crime and risk framework across both fiat and stablecoin transactions, working across the full customer lifecycle.

Key responsibilities

• Conduct KYC/KYB reviews, perform CDD/EDD, and assess customer risk during onboarding.
• Review corporate structures, UBOs, directors, shareholders and source‑of‑wealth documentation.
• Monitor transaction alerts, investigate unusual patterns, and document evidence‑based conclusions.
• Escalate suspicious activity, support STR/SAR preparation and regulatory reporting.
• Analyze cross‑border payment flows (SEPA, SWIFT, correspondent banking, stablecoin transfers) and review payment exceptions.
• Assist Operations and Payments teams in resolving customer and transaction issues while maintaining compliance controls.
• Conduct sanctions, PEP, adverse‑media screening and support fraud investigations.

Required profile

• Experience in AML, KYC/KYB, or financial‑crime compliance, preferably in fintech or payments.
• Strong analytical skills with the ability to identify red flags and inconsistencies.
• Familiarity with fiat‑to‑crypto and crypto‑to‑fiat transaction flows.
• Ability to work collaboratively with Compliance, Operations, Product, Engineering and Customer Success teams.

Required skills

• Knowledge of AML regulations, sanctions lists and PEP screening.
• Understanding of cross‑border payment systems (SEPA, SWIFT) and stablecoin mechanisms.
• Proficiency in transaction monitoring and investigative documentation.