About PhonePe Limited Headquartered in India its flagship product the PhonePe digital payments app was launched in Aug 2016 As of April 2025 PhonePe has over 60 Crore 600 Million registered users and a digital payments acceptance network spread across over 4 Crore 40 million merchants PhonePe also processes over 33 Crore 330 Million transactions daily with an Annualized Total Payment Value TPV of over INR 150 lakh crore PhonePe s portfolio of businesses includes the distribution of financial products Insurance Lending and Wealth as well as new consumer tech businesses Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem in India which are aligned with the company s vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services Culture At PhonePe we go the extra mile to make sure you can bring your best self to work Everyday And that starts with creating the right environment for you We empower people and trust them to do the right thing Here you own your work from start to finish right from day one PhonePe-rs solve complex problems and execute quickly often building frameworks from scratch If you re excited by the idea of building platforms that touch millions ideating with some of the best minds in the country and executing on your dreams with purpose and speed join us Position Risk Investigator - AML Sanctions About the Team - The PhonePe AML Sanctions Operations is a part of the Trust Safety team which is a high impact team whose goal is to mitigate risk and improve the trust and safety for various PhonePe products We are focused on safeguarding our platform from potential ML TF risks by implementing various controls and timely actions If your dream is to build processes and digital tools to better understand financial transactions and identify trends that would impact millions of customers partnering with some of the best minds and executing on your dreams with purpose and speed join us Roles Responsibilities Identify and research the patterns trends and anomalies in complex transactional customer data to detect prevent mitigate report suspicious activity related to ML TF Monitoring and regulating high-risk activities for various PhonePe business verticals Documentation of Ground of Suspicion GOS for suspicious users transactions and filing STR SAR to the Financial Intelligence Unit - India FIU-IND as per RBI guidelines along with record maintenance Utilize information from regulatory changes new regulations and internal policy changes to further identify new key risk areas Analyze comparative data prepare and present reports related to AML risk assessments and monitor AML related issues and escalations To suggest process improvements identify automation opportunities to improve operational efficiencies on various business products Identify modules for operational improvements and collaborate with cross functional teams for implementation Ability to understand and follow industry best practices for AML Sanctions Education Preferred Qualifications Requirements include but are not limited to Graduate Degree MBA or other post graduate degree is a plus 3-5 years of relevant experience in Anti Money Laundering Investigations Sanctions screening Escalations Any recognised AML certification would be an added advantage Good understanding of AML CFT framework along with strong research and analytical skills Experience in preparation and filling of regulatory reporting to RBI FIU-IND etc Ability to work independently and to liaise with other departments and coordinate with various stakeholders Team player with excellent drafting and strong interpersonal skills along with verbal communication is a must Proficient in MS Office Word Excel Powerpoint and basic understanding of SQL would be a plus PhonePe Full Time Employee Benefits Insurance Benefits - Medical Insurance Critical Illness Insurance Accidental Insurance Life Insurance Wellness Program - Employee Assistance Program Onsite Medical Center Emergency Support System Parental Support - Maternity Benefit Paternity Benefit Program Adoption Assistance Program Day-care Support Program Mobility Advantages - Relocation benefits Transfer Support Policy Travel Policy Retirement Benefits - Employee PF Contribution Flexible PF Contribution Gratuity NPS Leave Encashment Other Benefits - Higher Education Assistance Car Lease Mobile Broadband Reimbursements Salary Advance Policy Working at PhonePe is a rewarding experience Outstanding people a work workplace that thrives on creativity the prospect to take on roles beyond a defined job description are just some of the reasons you should work with us Read more about PhonePe on our blog PhonePe Full Time Employee Benefits Not applicable for Intern or Contract Roles Insurance Benefits - Medical Insurance Critical Illness Insurance Accidental Insurance Life Insurance Wellness Program - Employee Assistance Program Onsite Medical Center Emergency Support System Parental Support - Maternity Benefit Paternity Benefit Program Adoption Assistance Program Day-care Support Program Mobility Benefits - Relocation benefits Transfer Support Policy Travel Policy Retirement Benefits - Employee PF Contribution Flexible PF Contribution Gratuity NPS Leave Encashment Other Benefits - Higher Education Assistance Car Lease Salary Advance Policy Our inclusive culture promotes individual expression creativity innovation and achievement and in turn helps us better understand and serve our customers We see ourselves as a place for intellectual curiosity ideas and debates where diverse perspectives lead to deeper understanding and better quality results PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally regardless of gender sexual preference religion race color or disability If you have a disability or special need that requires assistance or reasonable accommodation during the application and hiring process including support for the interview or onboarding process please fill out this form Read more about PhonePe on our blog