Manager- Merchant Risk Mangement

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

Bachelors degree in Finance Business Economics or Risk Management (Masters 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 technologywhere 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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