Customer Risk Review Analyst

United States Digital Space LLC; Amsterdam; On-site; EUR 70,000 - 110,000; Full time

Job summary

United States Digital Space LLC is seeking an experienced CDD Risk Analyst to join our Customer Risk Review team. You will lead end-to-end CDD/EDD reviews for high-risk portfolios, conduct rapid-response investigations, engage with customers to obtain essential data, and advise merchants on due diligence requirements.

You will harmonize risk frameworks with regional and global teams, mentor junior analysts, and drive process improvements to scale risk operations while balancing growth with

Qualifications

• 3–6+ years of hands-on experience in complex KYC/CDD/EDD, financial economic crime investigations, or risk management within payments, fintech, or global banking.

Responsibilities

• Lead end-to-end CDD & EDD reviews for high-risk or complex merchant portfolios, ensuring quality standards and regulatory alignment.
• Drive rapid-response investigations into real-time adverse events, transaction anomalies, and financial crime triggers to mitigate risks.
• Engage directly with customers to request, verify, and update essential documentation.
• Provide expert advisory to merchants on due diligence requirements and regulatory expectations.
• Harmonize review frameworks and risk scoring models across regional and global teams.
• Spearhead process improvements to scale risk operations and enhance detection capabilities.
• Mentor and upskill junior analysts on risk assessment techniques.
• Apply professional judgment to evaluate non-binary risks in balancing growth and mitigation.
• Assess multidisciplinary risks spanning AML, Sanctions, and Fraud.
• Synthesize complex risk triggers into actionable, enforceable risk decisions.
• Execute investigations autonomously and gather multi-source data for high-stakes outcomes.
• Partner with cross-functional stakeholders to align on risk decisions and communicate financial crime concepts.

Skills

KYC

CDD/EDD

Financial crime investigations

Risk assessment

Regulatory compliance

Tools

AML tools

Job description

This is the company

the company provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At the company, everything we do is engineered for ambition.

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

The Role

Our Customer Risk Review team is seeking an experienced CDD Risk Analyst who brings 3–6+ years of payments or financial industry experience and Financial Economic Crimes. The candidate must have a strong risk-driven mindset, exceptional professional judgment, and the ability to conduct holistic risk assessments. Whether conducting a scheduled review for a global enterprise or responding to real-time adverse media and scheme violations, you are someone who does not wait for step-by-step playbooks—you proactively create direction, conclude on integrity risks, risk appetite, mitigating factors and execute action plans end-to-end. We work with high energy, positive mindset and intentional attitude, ensuring we do our best daily.

What You Will Do

• Lead end-to-end CDD & EDD reviews for high-risk or complex merchant portfolios, ensuring strict adherence to quality standards, SLAs, and global regulatory policies.
• Drive rapid-response investigations into real-time adverse events, transaction anomalies, and financial crime triggers to mitigate integrity risks.
• Engage directly with customers to request, verify, and update essential documentation and static data.
• Provide expert advisory to merchants on due diligence requirements, efficiently resolving escalations and clarifying regulatory expectations.
• Harmonize review frameworks and risk-scoring models alongside regional and global risk teams to ensure consistent risk evaluation.
• Spearhead process improvements to scale risk operations and enhance detection capabilities.
• Mentor and upskill junior analysts on complex risk assessment techniques and best practices.
• Apply professional judgment to evaluate non-binary risks, balancing business growth with robust risk mitigation.
• Assess multidisciplinary risks spanning Card Scheme/LPM violations, AML, Sanctions, Anti-Terrorist Financing, and Fraud.
• Synthesize complex risk triggers (e.g., intricate ownership, shifting business models) into clear, actionable, and enforceable risk decisions.
• Execute investigations autonomously, establishing methodologies and gathering multi-source data to manage high-stakes risk outcomes.
• Partner with cross-functional stakeholders (Commercial, Legal, Compliance, Tech) to align on risk decisions and articulate financial crime concepts clearly.

Why is this Role Unique?

This is not a tick-box compliance or routine front-line role. As a Risk Review analyst, you operate at the strategic center of the company’s regulatory risk operations.

You will be a gatekeeper, identifying, assessing, looking for mitigating measures and helping business and senior management in the customer decision making process. You will manage your periodic risk cycles, while maintaining the investigative agility to handle high-stakes trigger events. You will have direct autonomy to influence how we scale risk operations, refine review frameworks, and safeguard the company's regulatory license globally.

Who You Are

• 3–6+ years of hands-on experience in complex KYC/CDD, EDD, financial economic crime (FEC) investigations, or risk management within payments, fintech, or global banking.
• Risk-Based Mindset: You apply diligent professional judgment to evaluate broader business models, product integrations, and holistic risk exposure.
• Mastery over Ambiguity: Comfortable operating with incomplete data, contradictory signals, and evolving regulator