Manager Merchant Risk

Manager Merchant Risk Management

Location: Mumbai

About Worldline

At Worldline, we are pioneers in payments technology, committed to creating innovative solutions that make financial transactions secure, accessible, and seamless worldwide

Our diverse team of professionals collaborates across cultures and disciplines, driving progress that benefits society and businesses of all sizes

We believe that diverse perspectives fuel innovation

We are dedicated to fostering an inclusive environment where all individuals, regardless of background, identity, or experience, can thrive and contribute meaningfully to our shared vision The Opportunity The Manager for Merchant Risk Management will serve as a dual-role Merchant Underwriter and AML Specialist, responsible for evaluating merchant risks and ensuring compliance with payment gateway standards and AML regulations

This position focuses on preventing financial crimes while managing e-commerce merchant portfolios within the Indian regulatory framework

Key Responsibilities

Conduct comprehensive reviews of customer accounts and transactions to identify suspicious behavior per Indian AML regulations and FIU guidelines

Develop AML transaction monitoring strategies for all payment methods (credit/debit cards, UPI, net-banking, wallets)

Implement FIU guidelines and prepare/submit STRs to FIU-IND and regulatory bodies

Ensure timely action on all AML transaction monitoring alerts and system-generated investigations

Conduct thorough merchant underwriting at pre-onboarding level, evaluating business models and fraud exposure

Monitor existing merchant performance and implement risk mitigation strategies

Make approval/decline decisions for merchant applications or escalate to senior management

Collaborate with sales, compliance,



and fraud prevention teams for seamless onboarding

Generate regular reports on underwriting activities, risk trends, and merchant risk analysis

Develop and refine underwriting policies, procedures, and SOPs

Review merchant websites for prohibited products and compliance with regulatory guidelines

Technical Skills & Qualifications

Bachelor's degree in Finance, Business, Economics, or Risk Management (Master's preferred)

5-10 years of experience in AML transaction monitoring & Merchant Credit Risk in acquiring, banking, or payments industry

Strong knowledge of Indian FIU guidelines, AML regulations, and reporting requirements

Expertise in merchant acquiring business and payment products (cards, UPI, wallets)

Proficiency in fraud concepts, process flows, and analytical tools

Experience with MS Office tools (Excel, PowerPoint) and query development

Location: Mumbai

Why Join Us

At Worldline, we believe that embracing diversity and promoting inclusion drive innovation and success

We foster a workplace where everyone feels valued and empowered to bring their authentic selves

Through extensive training, mentorship, and development programs, we support your growth and help you make a meaningful impact

Join a global team of passionate professionals shaping the future of payments technology?where your ideas, experiences, and perspectives are appreciated and celebrated

We are an Equal Chance Employer

We do not discriminate based on race, ethnicity, religion, color, national origin, sex (including pregnancy and childbirth), sexual orientation, gender identity or expression, age, disability, or any other legally protected characteristics

We are committed to creating a diverse and inclusive environment for all employees

Learn more about life at Worldline at Jobs worldline

📌 Manager Merchant Risk (Mumbai)
🏢 Worldline
📍 Mumbai