Risk Analyst (KYB) - PayPal

Pontica Solutions is an award-winning outsourcing company that specializes in delivering innovative customer experience (CX) solutions to our global clients in diverse industries such as High-Tech, FinTech, Healthcare, Games and Entertainment, E-commerce, Renewable Energy and Utilities, Logistics, and more.

Committed to excellence and continuous improvement, we transform our talent into high-quality experts, providing opportunities for learning and development, vertical and horizontal growth.

Are you ready to make a real impact in the future of FinTech?

Join the global Leader - PayPal, grow your career, and be part of building a safer, smarter digital economy—apply today!

We’re looking for Risk Analysts in Sofia or Varna across all levels — from Mid (2 years of experience) to Expert level (4+ years of experience) - for our PayPal unit to help manage risks, strengthen defenses, and shape seamless digital payments across 200+ markets.

We are hiring across multiple experience levels, so whether you're a rising star or a seasoned professional, we want to hear from you.

Key Responsibilities (across all levels):

• Input, analyze, and interpret financial statements to assess the financial health of merchants.
• Review merchant and industry business models, credit reports, merchant processing history, background checks, and reference data.
• Conduct thorough merchant assessments, covering regulatory compliance (Federal & State), credit card rules, and legal considerations.
• Estimate financial exposures and determine appropriate risk mitigation strategies in line with internal policies.
• Communicate risk insights and recommendations clearly with internal stakeholders.
• Maintain detailed and accurate documentation of assessments, findings, and methodologies.

Ideal Skill Set Across All Levels:

• Bachelor’s degree (or equivalent experience) in finance, economics, law, or a related field.
• Strong ability to analyze complex datasets and identify risk trends, familiarity with financial exposure assessment.
• Solid understanding of KYB, CIP, AML, and regulatory compliance across jurisdictions; able to assess and escalate potential financial crime risks.
• Collaborative team player with excellent interpersonal and communication skills.
• Fluent in English. Proficiency in an additional language (e.g., French, Dutch, German) is an advantage.
• Proficient in MS Office, Salesforce, internet research, and database tools; SQL knowledge is beneficial but not mandatory.

What we offer :

• An attractive remuneration + annual appraisal review. Referral bonuses.
• Standard working hours Monday-Friday.
• 20 days of paid leave per year + 2 days off for volunteering.
• Full training provided.
• Additional health insurance and other social benefits. Exclusive discounts & offers.
• Digital food vouchers.
• Open-minded management team promoting innovation, and personal and professional development.
• Permanent employment; full-time.