Advanced Merchant Risk Analyst

Build with us

Businesses deserve better from finance. Less friction, more freedom. Since 2004, Mollie has been on a mission to make payments and money management effortless for every business in Europe.

Today, more than 250,000 companies trust our all-in-one platform to get paid, manage money and grow on their terms. Simple, scalable and built with real businesses in mind.

We're one of Europe's fastest-growing fintechs, with 900+ Mollies across 12+ locations. Our people make this growth possible. We move fast, build with purpose and care deeply about our customers. Whether you're solving problems, building market-leading products or exploring how AI can make work smarter, you'll have the freedom to create and the trust to deliver.

If you're ready to grow, shape the future of fintech and join an ambitious, high-performing team, this is the place for you.

Your impact

This is a high-impact role where you directly protect Mollie's financial stability and reputation. As an Advanced Merchant Risk Analyst, you are the first line of defense, proactively monitoring merchant activity to identify and mitigate patterns indicative of fraud or financial crime. This work is critical to safeguarding our platform integrity, ensuring our merchants and customers can trust Mollie as a secure and reliable payments provider.

You will be expected to conduct proactive and reactive fraud investigations, moving beyond simple alert validation to interpret complex fraud scenarios and uncover emerging risks. Your analysis and recommendations will directly shape cross-team decision-making across compliance, operations, and fraud strategy, positioning you as a trusted Subject Matter Expert.

If you are driven to continuously challenge existing practices, propose improvements to our fraud-prevention frameworks, and want to master the craft of financial crime analysis, you will be key to strengthening our overall risk resilience and staying ahead of evolving threats in the payments landscape.

What you'll ship

• Detect and investigate fraud risks through proactive monitoring, deep data analysis, and event-driven reviews of merchant activity.

• Mitigate financial losses by validating, escalating, and actioning fraud alerts promptly to protect platform integrity.

• Deliver clear, actionable recommendations for mitigation strategies based on your interpretation of complex fraud scenarios and typologies.

• Drive continuous process improvement by proactively proposing enhancements to our fraud-prevention frameworks, tools, and processes.

• Serve as a Subject Matter Expert, advising internal and external stakeholders on emerging fraud trends, typologies, and compliance standards.

What you'll bring

• Hands-on experience in fraud detection, investigations, or financial crime analysis.

• Strong data analysis skills and the proven ability to interpret complex transaction patterns and identify anomalies.

• Knowledge of payment systems, merchant risk, fraud typologies, and relevant regulatory requirements.

• Proficiency with fraud monitoring tools, case management systems, or relevant dashboards.

• Clear and effective communication skills to articulate complex scenarios and mitigation strategies to cross-functional and external teams.

• A proactive, detail-oriented approach that thrives in a fast-paced, high-stakes environment.

• 3 years of experience in a similar field

This role can be done from either Amsterdam or Maastricht.

Grow your way

At Mollie, growth is personal. We believe everyone should have the chance to develop their skills, explore new challenges and shape their career on their own terms.

You'll get regular feedback and performance reviews to support your development, with fair and transparent salary reviews along the way. Many Mollies move into new roles or take on new projects to stretch themselves, and we actively hire from within to help you take the next step.

No matter if you're aiming for promotion, exploring a different career path or building new skills, you'll be supported with the tools, trust and opportunities to grow your way.

Unlock your full potential and join us to eliminate financial bureaucracy

If you're excited by the idea of building what's next, for yourself and for thousands of businesses across Europe, we'd love to hear from you.

AI at Mollie

We believe in Always Be Shipping, and AI brings that philosophy to life across every team, every role, every day.

AI is core to how we build. It helps us move faster, simplify work and make smarter decisions, creating real impact for the businesses we serve. We're looking for people who are excited to use AI to shape the future of finance with us.

Benefits

• 20 days working from abroad
  Enjoy the flexibility to work from abroad for 20 days a year (excl high risk countries)

• Wellbeing Budget
  Enjoy €60 per month net towards taking care of yourself.

• Lifestyle and Health Support
  Reach out for coaching and support whenever you need it via OpenUp.

• 26 holiday days
  Time to relax. Plus an extra 2 days off in between 27 and 31 December!

• Commute options
  Receive an NS Business Card and participate in our bike lease plan

• Birthday off
  It’s your special day! Why spend it at the office?

• WFH Equipment Budget
  One off budget of €400 for our new hires.

• Hybrid working
  With WFH & Internet allowance at €60 a month.

• Discounted Lunch
  Hot and cold meals plus snacks available each day for less than €4 and only pay when you use the service!

• Health Insurance
  Insure with ONVZ or receive €125 net towards your own insurance.

• Annual Mollieverse event
  All Mollies get together, connect and have fun.