Senior CDD Risk Analyst (Direct Customer Onboarding)

Join Adyen, a leading global payment company, as a Senior CDD Risk Analyst. In this role, you will lead quality improvements, manage high-complexity enterprise onboarding cases, and serve as a Subject Matter Expert. You will collaborate cross-functionally to streamline the onboarding process while ensuring strict regulatory compliance. Additionally, you will mentor a cohort of CDD analysts and actively participate in merchant and commercial calls.

• Lead quality improvements and quality control processes sign-offs, and directly manage high-complexity enterprise onboarding cases.
• Serve as a Subject Matter Expert (SME) and mentor, actively helping to upskill the team while collaborating cross-functionally with Quality Assurance, Compliance, and Commercial teams.
• Proactively identify operational bottlenecks, redundancies, and friction points across the end-to-end merchant lifecycle, and collaborate cross-functionally to optimize workflows.

• Complex Risk & Regulatory Depth: Proven mastery in evaluating complex risk scenarios beyond standard checklists. You bring deep experience navigating challenges such as layered corporate structures, offshore/nominee entities, UBO transparency, high-risk business models, scheme rules, and multi-jurisdictional AML/CFT standards (e.g. DNB, FCA, FinCEN, MAS, RBI, AUSTRAC)
• Autonomous & Strong Team Mentality: High autonomy, resilience, and clear written and verbal communication skills. Eager to share knowledge, coach colleagues, and collaborate seamlessly across operational, second line and commercial teams
• Merchant-Facing & Direct Customer Engagement: Experienced in direct customer interactions and merchant-facing roles, effectively bridging complex compliance requirements with commercial discussions and operational needs
• Commercial Maturity & Pragmatism: Proven track record of navigating complex commercial dynamics and high-pressure go-live targets without compromising risk controls. Skilled at negotiating and implementing concrete risk-mitigation solutions that enable safe business growth while satisfying strict regulatory mandates
• Data Rigor & Continuous Improvement: Analytical mindset proficient in leveraging data and analytics to identify root causes of onboarding friction, contributing directly to automation and tooling enhancements
• Experience: 6+ years experience in CDD, KYC/EDD operations or Second Line Risk or Compliance role within a FinTech, Payment Service provider, or Financial Institution. Prior experience as a Quality Checker or QA auditor in 1st/2nd Line functions is highly preferred
• Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!