Manager Merchant Risk

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 Opportunity 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

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