About Merge:
Merge is a regulated stablecoin payments infrastructure platform enabling enterprises to move money globally in real time. We combine stablecoin rails with local instant payment systems to deliver faster, cheaper, and more transparent cross-border payments and treasury workflows. Merge serves fintechs, investment platforms, marketplaces, and corporate treasury teams globally.
About the role:
As a Risk Operations Specialist, you will support the day-to-day operation of Merge's financial crime and risk framework across fiat and stablecoin transactions. You will work across the customer lifecycle - from onboarding and KYC/KYB through ongoing monitoring, transaction reviews, investigations and escalation.
The role will involve working closely with Compliance, Operations, Product, Engineering, Customer Success and Payments teams.

Key responsibilities
- KYC / KYB & Customer Onboarding
- Conduct KYC/KYB reviews for individuals and businesses during onboarding.
- Review corporate structures, UBOs, directors, shareholders and source of funds/wealth.




- Perform CDD and EDD on higher-risk customers and counterparties.
- Conduct PEP, sanctions, adverse media and other screening.
- Assess customer risk and determine appropriate risk classifications.
- Identify inconsistencies, gaps or red flags in customer documentation.
- Support periodic and event-driven customer reviews.
- Escalate higher-risk cases to Compliance / MLRO where required.
- Transaction Monitoring
- Review transaction monitoring alerts across fiat and stablecoin transactions.
- Investigate unusual transaction patterns, velocity, counterparties and transaction flows.
- Identify potential AML, fraud, sanctions and financial crime risks.
- Analyse transaction history and customer behaviour to determine whether activity is consistent with the customer's profile.
- Investigate alerts and document explicit, evidence-based conclusions.
- Escalate suspicious activity in accordance with internal procedures.
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📌 Risk Operations Specialist (Bengaluru)
🏢 Merge Money
📍 Bengaluru