Senior AML Analyst (m/w/d)

About the Position

Calling all innovators – find your future at Fiserv.

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Senior AML Analyst (m/w/d)

Overview

As a Senior AML Analyst (m/w/d), you will play a crucial role in identifying, assessing, and managing money laundering, terrorist financing, and other financial crime risks throughout the customer lifecycle. You will handle complex KYC, CDD, and EDD cases, support complex issues, and work closely with various internal stakeholders.

Responsibilities

• Conducting KYC, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) checks for merchants, business partners, and corporate clients
• Analyzing complex corporate, ownership, and control structures, as well as beneficial owners and representative relationships
• Reviewing commercial register extracts, company documents, ownership structures, licenses, and other relevant documents from different jurisdictions
• Conducting and evaluating sanctions, PEP, and adverse media checks as well as other financial crime matters
• Identifying and escalating potentially suspicious activities in accordance with regulatory requirements and internal policies and processes
• Analyzing merchant transactions, payment flows, and customer behavior to detect potential money laundering, terrorist financing, fraud, and other financial crime risks
• Performing AML risk assessments and documenting risk-based decisions
• Supporting merchant onboarding, regular customer reviews, ad-hoc reviews, and remediation measures
• Collaborating closely with our commercial teams on more complex onboarding cases and advising on AML/KYC requirements
• Contributing to the continuous development of AML controls, onboarding processes, risk models, policies, and operational procedures
• Ensuring complete, traceable, and audit-proof documentation
• Assisting with regulatory audits, internal audits, and other compliance initiatives
• Providing technical support and coaching to less experienced team members and participating in training and knowledge transfer

Requirements

• Several years of professional experience in one or more of the areas AML, Financial Crime, KYC, CDD, EDD, or Risk Management, ideally in payment processing, merchant acquiring, fintech, banking, or financial services
• Good knowledge of relevant German and European requirements in the field of money laundering prevention and customer due diligence
• Experience in analyzing complex corporate and ownership structures and beneficial owners
• Experience with sanctions, PEP, and adverse media checks and the evaluation of potentially suspicious situations
• Understanding of the entire customer lifecycle, from onboarding and risk assessment to regular and ad-hoc reviews
• Strong analytical skills and a passion for making well-founded and traceable decisions, even in complex cases
• A structured, meticulous, and solution-oriented approach
• Good communication skills and a willingness to collaborate with different departments
• Ability to maintain different priorities in a dynamic and regulated environment
• Experience with AML, screening, case management, or transaction monitoring systems is a plus
• Fluent German and English language skills in speech and writing

We Offer

• A responsible senior role in the AML & Financial Crime area with a high degree of independence and varied, complex tasks
• The opportunity to actively shape and continuously develop AML/KYC processes, controls, and risk models
• An international and dynamic payment environment with close collaboration with compliance, commercial teams, and other relevant departments
• Flexible working hours within a flextime scheme
• The possibility to work up to 15 days per year from numerous countries abroad
• 30 days of vacation per year
• Attractive benefits such as occupational pension plans, share participation programs, and mobility offers
• Individual training and development opportunities
• Corporate benefits and much more

About the Company

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.

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