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WHO WE ARE
At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.
Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like.
Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.
ABOUT THE TRANSACTION MONITORING TEAM
The Transaction Monitoring team is responsible for identifying and investigating potentially suspicious activity across Trustly’s payment flows. The team assesses transactional behaviour, detects risk patterns, and ensures timely escalation and reporting in line with regulatory requirements.
A core focus of the team is improving detection quality through data and machine learning. Working closely with analytics, Transaction Monitoring combines ML-driven signals with expert review to reduce false positives, improve accuracy, and ensure meaningful risk coverage. The goal is to stop financial crime effectively while supporting smooth, low-friction experiences for consumers and merchants.
ABOUT THE ROLE
As a Senior AML & Merchant Risk Analyst at Trustly, you play a key role in protecting our payment flows and supporting sustainable growth. You take ownership of complex transaction monitoring and investigations, ensuring alignment with regulatory requirements, internal policies, and Trustly’s risk appetite.
This role goes beyond case handling. You act as a subject matter expert, contribute to quality and control improvements, and help evolve how we detect, assess, and mitigate financial crime risks across merchants and transactions. You are trusted to operate independently, think ahead, and raise the bar for how we work.
What you'll do
- Conduct and own complex AML and TF transaction monitoring investigations end-to-end
- Analyse large volumes of transactional and behavioural data to identify suspicious activity
- Make well-reasoned risk decisions in line with internal policies and regulatory expectations
- Act as a senior escalation point and mentor junior analysts through guidance and review
- Contribute to quality assurance, control testing, and continuous improvement initiatives
- Support external communication with relevant stakeholders when required
- Actively contribute to refining procedures, controls, and policies with a forward-looking mindset
- Identify patterns, emerging risks, and opportunities to strengthen detection and efficiency
Who you are
- 3-5+ years of hands-on AML experience, with demonstrated progression and autonomy
- Strong understanding of financial crime regulations and ML & TF typologies
- Proven ability to manage complex cases and make sound decisions under pressure
- Comfortable working with large, complex datasets and drawing clear conclusions
- Natural owner who takes accountability and looks for better ways of working
- Confident communicator in English (B2–C1), both written and spoken
- Relevant certifications such as ACAMS or ICA are highly valued
Our Fantastic Benefits (varies by location)
🌴 20 to 25 days of holiday to support a healthy work-life balance
🥳 Monthly team outing allowance to enjoy social events with your colleagues
☕ Office perks such as refreshments (coffee, sodas etc.), breakfast, fruit and snacks
🍴 Meal card to enjoy a daily lunch allowance to make your workdays even more convenient
💚 Well being support our health allowance covers gym memberships, massages, and much more to help you feel your best
PLUS additional benefits designed to enhance your work-life experience!
Shape Your Role and Make an Impact
Join a dynamic environment where you can take ownership, drive change, and continuously embrace new challenges. We’re looking for dedicated and highly motivated individuals who thrive in a fast-paced environment and enjoy collaborating across different areas of the organisation.
If your skills and experience align with this role, we’d love to hear from you! Apply now and submit your CV in English.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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