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🍪 Privacy Notice This website uses cookies to improve your web experience. By using the site, you agree to the use of cookies. dismiss AML & Merchant Risk Analyst Lisbon, Portugal (EU)Legal, Regulatory And Compliance - Europe – AML - Europe /Full-Time /Hybrid APPLY FOR THIS JOB 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 an AML & Merchant Risk Analyst at Trustly, you build a strong foundation in transaction monitoring and financial crime investigations while contributing to a high-quality, compliant risk operation. You work hands-on with transaction monitoring and investigations, ensuring activities are assessed in line with internal policies, procedures, and regulatory requirements. This role is focused on building strong investigative foundations. You are expected to work methodically, document clearly, and continuously develop your understanding of financial crime risks. You take ownership of your cases, collaborate closely with senior analysts, and actively build your expertise over time. You are encouraged to ask questions, build expertise, and take responsibility for the quality of your work. If you want to develop your career in financial crime prevention within a high-growth, collaborative environment, we’d love to hear from you. What you'll do Conduct AML and TF transaction monitoring investigations in line with internal policies Collect, analyse, and interpret transactional and behavioural data to identify potential risk Assess customer and transaction behaviour and escalate concerns where appropriate Produce clear, accurate, and well-documented investigative reports Apply regulatory requirements and internal standards consistently in daily work Collaborate with senior analysts and stakeholders to support effective case resolution Contribute to a strong quality and compliance culture within the team Who you are 1-3 years of relevant experience within Transaction Monitoring or AML Operations Foundational to medium-level understanding of financial crime regulations Comfortable working with large volumes of transactional data Detail-oriented, structured, and able to work methodically under guidance Willing to take ownership of your work and continuously develop your skills Confident communicator in English (B2-C1), both written and spoken Experience from fast-paced financial environments is an asset Experience in AML or Compliance within the UK is an asset Experience with sanctions screening is highly valued Certifications such as ACAMS or ICA are an advantage Our Fantastic Benefits (varies by location) 🌴 ... (truncated, view full listing at source)