Risk Management Expert (Transactions & Onboarding Monitoring)
10n Pay is a dynamic fintech company and a licensed Electronic Money Institution in Bulgaria, building the next generation of payment solutions for the local and European markets. We develop modern products that require a high level of security, regulatory compliance, and proactive risk management.
We are currently expanding our Compliance & Risk Management team and are looking for an experienced professional who can identify risks before they escalate, manage them effectively, and contribute to the development of key processes in a fast-growing organization.
Main Responsibilities
1. Transaction Monitoring & Analysis
- Daily monitoring and analysis of customer transactions
- Identifying suspicious patterns, risks, and potential violations
- Preparing and submitting SAR reports to the respective competent authorities
2. KYC / Onboarding Monitoring
- Performing KYC/KYB checks during customer onboarding
- Updating customer risk profiles
- Ongoing monitoring of customer data and activity in line with regulatory requirements
3. Policies, Procedures & Regulatory Compliance
- Maintaining and updating internal rules following AML/CFT, Bulgarian AML Law requirements, and related regulatory documentation
- Participating in process improvements and automation of monitoring tools and AML/CFT controls
- Conducting regular assessments of customer risk profiles based on internal standards
4. Payment Risk Management & Collaboration
- Defining and managing risk limits
- Creating and monitoring Key Risk Indicators (KRI)
- Direct communication with regulatory and supervisory bodies (State Agency for National Security, Bulgarian National Bank, FCA, etc.)
- Cross-team collaboration with Product, IT, and Project teams
Candidate Requirements
- Minimum 3-7 years of experience in AML/CFT, transaction monitoring, or KYC within a payment institution, bank, or Electronic Money Institution
- Strong knowledge of Bulgarian Anti-Money Laundering Measures Act and EU AML legislation (ZMIP, 5th & 6th AML Directives)
- Experience with transaction monitoring tools (World-Check, Dow Jones, ComplyAdvantage or similar)
- Strong analytical skills and attention to detail
- Excellent command of English (daily communication and documentation)
- University degree in Law, Finance, Economics, or a related field
What We Offer
- Working onsite at our office in Sofia with the option for home office when needed
- Full social benefits package (additional health insurance, Multisport)
- A role with real impact on company policies and internal processes
- Opportunities for professional development, training, and becoming a key contributor in a growing fintech company
- Supportive, friendly, and focused work environment
If you want to join the team that ensures the security and integrity of our customers and services, send us your CV in Bulgarian or English at [email protected].
We look forward to meeting you!
