AML Compliance Officer Financial Products

Adyen; Amsterdam; On-site; EUR 90,000 - 130,000; Full time

Job summary

Adyen seeks an AML Compliance Officer for Financial Products in Amsterdam. You will design and scale the second-line AML framework for our financial product offerings, collaborate with Product and Tech teams, and ensure controls meet regulatory expectations while enabling sustainable growth.

You will review new products for AML risk, translate requirements into automated workflows, and represent the company in regulatory examinations and partner reviews. Fluency in English is essential.

Qualifications

• 4+ years of hands-on experience in financial crime compliance or compliance architecture.
• Practical knowledge of financial products (e.g., embedded cards/IBANs).
• Ability to translate product setups into defensible risk narratives for executives.
• Excellent written and spoken English; capable of stakeholder engagement at senior levels.

Responsibilities

• Co-design, roll out, and oversee AML control framework for Adyen's Financial Products.
• Provide expert AML input on new product propositions and feature permissions before launch.
• Translate AML requirements into automated product-embedded workflows and guidelines.
• Evaluate service risks and standardize methodologies to set usage boundaries.
• Review controls for proper design and collaborate with QA and oversight functions.
• Represent compliance during regulatory examinations, audits, and partner reviews.

Skills

AML compliance

Financial product knowledge

Service risk expertise

Strategic communication

Collaborative & pragmatic

English fluent

Job description

AML Compliance Officer Financial Products

Compliance Amsterdam

This is Adyen

Adyen is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Facebook, Uber, H&M, eBay, and Microsoft. To maintain our momentum, we need people to join us in finding new ways of solving our unique challenges.

AML Compliance Officer Financial Products

A key part of building our business is ensuring we do it ethically, securely, and sustainably. In order to do so, Adyen needs to understand and monitor at all times what happens on our platform and whether this is in line with regulations and our risk appetite. And that in a scalable, automated, and adaptive way.

To achieve this, we are looking for a Financial Products AML Compliance Expert to join our AML/CFT Compliance Department based in Amsterdam, covering our global business. In this role, you act as the Second Line expert responsible for designing, maturing, and scaling our Financial Economic Crime (FEC) control frameworks specifically tailored for Adyen’s Financial Product Offering (e.g., Banking-as-a-Service, Embedded Card Issuing, or B2B Payouts).

As Adyen continuously innovates and expands its product suite, staying ahead of how new financial products and features could be misused by illicit actors is critical. Sitting in the Second Line of Defense, you will bridge the gap between complex product architecture, global AML regulatory expectations, and industry best practices. You will bring a macro-level framework vision, step back from operational detail, and strategically guide cross-functional teams and senior stakeholders.

Are you a financial products specialist who thrives in complex product environments and excels at influencing senior stakeholders? Then this is the role for you!

What you'll do:

• Financial Products AML Frameworks: Co-design, roll out, and oversee the Second Line AML control framework across Adyen's Financial Products (e.g., Banking-as-a-Service, Embedded Card Issuing, and Global Payouts).
• New Product Review: Provide expert AML input and challenge on new product propositions, bespoke use cases, and feature permissions, establishing clear compliance conditions prior to commercial launch.
• Control Implementation Oversight: Partner with relevant teams (e.g., Product, Operations) to translate complex AML requirements into automated, product-embedded workflows and clear 1st-line operational guidelines.
• Service Risk: Drive the continuous evaluation of financial crime risks linked to the service-risk framework, standardizing methodologies that combine industry sector, product type, payment rails, and business rationale to set usage boundaries and limits.
• Control Design Assurance: Review and validate that financial product controls are properly designed to mitigate risk prior to launch, collaborating with Quality Assurance and other oversight functions to ensure controls function as intended in daily operations.
• Regulatory & Stakeholder Representation: Where needed, represent our financial product AML control framework during regulatory examinations, internal audits, and banking partner reviews.

Who you are:

• AML Framework: You bring 4+ years of hands-on experience in financial crime compliance, framework design, or compliance architecture within a scale-up fintech, BaaS provider, or tech-forward bank.
• Financial Product Knowledge: Practical experience with the compliance dynamics and risk profiles of financial products (e.g., Embedded Business Accounts/IBANs).
• Service Risk Expertise: Strong background in evaluating service-level and product-usage risks, translating industry nuances, transaction context, and customer use cases into proportionate risk controls.
• Strategic Communicator: You excel at stepping back from granular operational detail to see the broader framework picture, confidently navigating senior stakeholder discussions and translating complex product setups into defensible risk narratives.
• Collaborative & Pragmatic: You view compliance as an enabler of sustainable growth, partnering effectively with Product and Tech teams to build automated, user-friendly controls.
• Clear Communication: Fluent in spoken and written English.

Our Diversity, Equity and Inclusion commitments

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.

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!

What’s next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.

Please note that this role is a full-time position in Amsterdam. Relocation will be required if you currently reside outside of the Netherlands.

The way we work is guided by the eight principles of the Adyen Formula. Learn more here.

To build the world's most customer-focused financial technology platform, we need as many different perspectives as possible. We’re looking for people from all sorts of backgrounds to contribute.