AML, Associate (Transaction Monitoring)

Overview

The Anti Money Laundering (AML) Associate - Transaction Monitoring is a key operational leader within Shift4’s Finance and Risk organization, reporting to the Manager of AML & Fraud. This role ensures operational excellence in the execution of AML, KYC and fraud monitoring processes across the company’s merchant portfolio.

The AML Associate balances rigorous regulatory compliance with operational efficiency, ensuring that processes are executed accurately, escalations are managed appropriately, and cross-functional teams are effectively coordinated. The position supports global operations and contributes to continuous improvement initiatives, maintaining the company’s commitment to compliance, risk mitigation, and service-level performance.

Responsibilities will include:

 Operational Leadership & Execution

• Monitor and investigate suspicious transactions, merchants, and third-party activity daily. Dive deep into transaction patterns across our portfolio using BI tools (Oracle, Kibana) – spot trends, think critically, and act fast.
• Communicate with merchants and partners (via emails and calls) to assess AML risks. You'll be a trusted go-to when it comes to compliance and AML-related queries.
• Build and enhance reports, tools, and processes to prevent money laundering – your insights will directly influence our security. Challenging outdated processes and suggesting smarter, faster ways to work.
• Other ad hoc tasks can be assigned by the manager as needed.

 Regulatory Compliance & Risk Management

• Ensure compliance with EU and local AML legislation, including FIAU Implementing Procedures, PMLFTR, and PMLA.
• Collaborate with card schemes like Visa, Mastercard, Amex, Diners, and APMs / LPMs on program breaches, appeals, investigations, and reporting.
• Escalate gaps, deficiencies, or risks to the management, MLRO or governance structures in a timely and structured manner.
• Ensure SLA  adherence and quality standards across all operational activities.

 Cross-Functional Coordination & Communication

• Partner with teams across the company and with external stakeholders to develop and implement top-tier AML detection strategies
• Maintain professional communication with external stakeholders including banks, card schemes, service providers, and merchants.
• Document all AML activities thoroughly for audit and operational transparency.
  
  

The ideal candidate will bring:

• Experience in AML transaction monitoring, corporate KYC, or related role/diploma or degree in a related field. Card transactions, acquiring a background, are highly advantageous.
• Experience with BI tools such as Oracle BI, SQL, and Kibana. Advanced Excel skills. Ability to prioritize tasks and meet strict deadlines.
• Energetic, innovative, and adaptable – you bring a spark to the team and enjoy being both fun and professional. You’re approachable, easy to collaborate with, but not afraid to push back when there’s a better way to do something.
• You thrive in an environment where ownership, creativity, and momentum are encouraged. Enjoying working in a fast-paced and multi-cultural environment.
• A proactive mindset with a touch of “va va voom”—you know how to make things happen. 

Compensation:

Shift4 applies a structured, market-informed approach to compensation.

Salary ranges are developed based on objective, gender-neutral criteria, such as  internal job levels, scope of responsibilities, and external market data. The range listed for this position reflects the expected hiring range for qualified candidates and corresponds to the level and requirements of the role.

Actual compensation may vary depending on various factors, such as experience, skills, qualifications, work location, and market conditions. Shift4’s compensation structures are subject to periodic review and ongoing alignment across regions. Additional components such as variable remuneration or other benefits may also apply based on eligibility and role type.

Salary Range: € 28,000 - € 31,000

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.