Merchant Monitoring Analyst

Poznań, Poland or Warsaw, Poland
Full-time /
About PayU 
PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000+ merchants and millions of consumers. 

As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day. 

Thinking of becoming a PayUneer and you are curious to know more about us? Read more about the life in PayU here 

Merchant Monitoring is one of the basic pillars of the Operations Department responsible for reviewing current activity of PayU Merchants in the EMEA region, as well as the enhancing check and controls of company’s portfolio to reduce several risks such as AML, Frauds, Credit Risk, Sanctions.

The scope of Team activities is based on the Know Your Customer (KYC) procedures and Anti-Money Laundering (AML) regulations in cooperation with the Compliance and Risk Team.

The role is dedicated to providing support in merchants' behavior analysis with enhanced verification and escalation of unusual patterns. Additionally, it also takes part in creating an overall framework dedicated to preventing negative consequences and implementing additional security measures. And now we are looking an analyst who would like to be a part of this team and bring our merchant monitoring to the next level.

 Excited yet? Continue reading to find out more about the role.


    • Conduct investigation of suspicious transactions and/or merchant behavior incl. credit risk review, fraud detection, AML/CFT investigations;
    • Enhance analysis on unfavorable trends and changes of customer’s activity based on dedicated alerts, adverse media search and connected sources;
    • Manage investigations covering risk identified on alerts basis and identifying potential portfolio threats – preventing risks of insolvency, bankruptcy etc.;
    • Prepare and present reports related to credit and AML risk evaluation, and monitor AML-related issues and escalations;
    • Deliver active support on AML topics and Merchant Monitoring team assignments;
    • Address operational issues and stakeholders' concerns;
    • Cooperate with Regulators, Legal, Compliance, Business and Technology Departments to improve merchant monitoring processes to the highest standards;
    • Collaborate in a highly responsive team responsible for detecting suspicious merchant behavior.

Who are we looking for?

    • 3+ years' experience or above in credit risk modelling, anti-money laundering, compliance monitoring or screening;
    • Excellent understanding of AML regulations, policies, procedures;
    • Significant experience in fraud risk monitoring and/or management;
    • Hands-on experience with tools supporting analysis and reporting (tableau, excel and/or similar);
    • Degree or above in Business Administration, Finance, Economics or relevant disciplines;
    • Proficiency in both spoken and written Polish and English;
    • Strong interpersonal and communication skills;
    • Proficiency in analytical skills;
    • Experience with SQL and/or Data Warehouse reporting would be an advantage.

What we offer?

    • Employment under a contract of employment
    • Benefits: ability to develop one’s own package in MyBenefit system
    • Access to an internal training platform
    • Possibility to work in a hybrid model
    • Friendly work atmosphere in a cooperation-driven team, that will support you everyday
    • Work in an international organization operating in a rapidly changing industry

Our working environment:

    • A diverse working environment within a multicultural setting
    • An inclusive environment that ensures we listen to a diverse range of voices when making decisions
    • A positive, get-things-done workplace
    • A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this)
    • Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale
    • A democratic work environment where you can drive your outcomes
About us
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more 

Our Commitment To Building A Diverse And Inclusive Workforce 
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.