{"id":5644,"date":"2026-01-15T13:04:46","date_gmt":"2026-01-15T13:04:46","guid":{"rendered":"https:\/\/10npay.com\/?post_type=job&#038;p=5644"},"modified":"2026-02-16T16:10:09","modified_gmt":"2026-02-16T14:10:09","slug":"risk-management-expert","status":"publish","type":"job","link":"https:\/\/10npay.com\/bg\/job\/risk-management-expert\/","title":{"rendered":"Risk Management Expert (Transactions &#038; Onboarding Monitoring)"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5644\" class=\"elementor elementor-5644\" data-elementor-post-type=\"job\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c25c5a e-flex e-con-boxed e-con e-parent\" data-id=\"2c25c5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d2172bb elementor-widget elementor-widget-text-editor\" data-id=\"4d2172bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><strong>10n Pay<\/strong><\/span> 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.<\/p><p>\u00a0<\/p><p>We are currently expanding our <span style=\"color: #000000;\"><strong>Compliance &amp; Risk Management<\/strong><\/span> 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.<\/p><h4><strong>Main Responsibilities<\/strong><\/h4><ol><li><span style=\"color: #000000;\"><strong> Transaction Monitoring &amp; Analysis<\/strong><\/span><\/li><\/ol><ul><li>Daily monitoring and analysis of customer transactions<\/li><li>Identifying suspicious patterns, risks, and potential violations<\/li><li>Preparing and submitting SAR reports to the respective competent authorities<\/li><\/ul><div>\u00a0<\/div><ol start=\"2\"><li><span style=\"color: #000000;\"><strong> KYC \/ Onboarding Monitoring<\/strong><\/span><\/li><\/ol><ul><li>Performing KYC\/KYB checks during customer onboarding<\/li><li>Updating customer risk profiles<\/li><li>Ongoing monitoring of customer data and activity in line with regulatory requirements<\/li><\/ul><div>\u00a0<\/div><ol start=\"3\"><li><span style=\"color: #000000;\"><strong> Policies, Procedures &amp; Regulatory Compliance<\/strong><\/span><\/li><\/ol><ul><li>Maintaining and updating internal rules following AML\/CFT, Bulgarian AML Law requirements, and related regulatory documentation<\/li><li>Participating in process improvements and automation of monitoring tools and AML\/CFT controls<\/li><li>Conducting regular assessments of customer risk profiles based on internal standards<\/li><\/ul><div>\u00a0<\/div><ol start=\"4\"><li><span style=\"color: #000000;\"><strong> Payment Risk Management &amp; Collaboration<\/strong><\/span><\/li><\/ol><ul><li>Defining and managing risk limits<\/li><li>Creating and monitoring Key Risk Indicators (KRI)<\/li><li>Direct communication with regulatory and supervisory bodies (State Agency for National Security, Bulgarian National Bank, FCA, etc.)<\/li><li>Cross-team collaboration with Product, IT, and Project teams<\/li><\/ul><div>\u00a0<\/div><div>\u00a0<\/div><h4><strong>Candidate Requirements<\/strong><\/h4><ul><li>Minimum 3-7 years of experience in AML\/CFT, transaction monitoring, or KYC within a payment institution, bank, or Electronic Money Institution<\/li><li>Strong knowledge of Bulgarian Anti-Money Laundering Measures Act and EU AML legislation (ZMIP, 5th &amp; 6th AML Directives)<\/li><li>Experience with transaction monitoring tools (World-Check, Dow Jones, Comply Advantage or similar)<\/li><li>Strong analytical skills and attention to detail<\/li><li>Excellent command of English (daily communication and documentation)<\/li><li>University degree in Law, Finance, Economics, or a related field<\/li><\/ul><div>\u00a0<\/div><h4><strong>What We Offer<\/strong><\/h4><ul><li>Working onsite at our office in Sofia with the option for home office when needed<\/li><li>Full social benefits package (additional health insurance, Multisport)<\/li><li>A role with real impact on company policies and internal processes<\/li><li>Opportunities for professional development, training, and becoming a key contributor in a growing fintech company<\/li><li>Supportive, friendly, and focused work environment<\/li><\/ul><p>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 <a href=\"mailto:jobs@10npay.com\">jobs@10npay.com<\/a>.<\/p><p>\u00a0<\/p><p><span style=\"color: #000000;\"><strong>We look forward to meeting you!<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"featured_media":0,"parent":0,"template":"","meta":{"_acf_changed":false},"job-departments":[21],"class_list":["post-5644","job","type-job","status-publish","hentry","job-department-operations"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Risk Management Expert (Transactions &amp; Onboarding Monitoring) - 10n Payments \u2014 Electronic Money Institution<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/10npay.com\/bg\/job\/risk-management-expert\/\" \/>\n<meta property=\"og:locale\" content=\"bg_BG\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risk Management Expert (Transactions &amp; Onboarding Monitoring) - 10n Payments \u2014 Electronic Money Institution\" \/>\n<meta property=\"og:description\" content=\"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. 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