AML & Merchant Risk Analyst
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.
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.
- 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
- 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
- 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!
Trustly is a Swedish fintech company specialising in account-to-account (open banking) payments, letting consumers pay directly from their bank accounts without cards. Founded in 2008 and headquartered in Stockholm, it connects merchants - including many online gambling operators - to thousands of banks across Europe and North America. The company processes billions of euros in payments annually and is a widely used deposit and withdrawal method in the iGaming industry. Trustly employs more than 1,000 people across offices in Europe and the Americas.
