Real-Time Merchant Fraud Analyst (Amsterdam)

adyen; Amsterdam; On-site; EUR 55,000 - 90,000; Full time

Job summary

Adyen is seeking a Merchant Fraud Analyst in Amsterdam to identify, investigate and prevent fraudulent activities across acquiring, banking and issuing services. You will collaborate with Compliance, Product and Merchant Operations to protect the platform and its users.

You will monitor transaction patterns, develop fraud detection improvements, and guide incident response while staying current on evolving fraud trends. This role emphasizes ownership, data-driven decisions, and teamwork.

Qualifications

• Fluent in spoken and written English.
• 1-3 years of experience in fraud at a financial institution.
• Knowledge of multiple forms of fraud, financial crimes and scams (e.g., APP fraud, account takeovers, shopper and merchant collusion, synthetic identities).
• Willingness to make difficult decisions and quickly learn from experience; data-driven decision maker.
• Able to work independently and with others; strong cross-team collaboration across cultures.

Responsibilities

• Monitor and investigate transaction patterns, account activity, and user behavior in real time to detect and mitigate fraud.
• Assist in the development and optimization of fraud detection systems and tools; suggest improvements.
• Develop and optimize policies and procedures for fraud incident response, root cause analysis, funds recovery, and communications.
• Manage fraud recall handling; coordinate with banks and networks to recover funds where possible.
• Stay up-to-date with the latest fraud trends, techniques, and technologies to enhance detection and prevention.

Skills

Data-driven decisions

Fraud expertise

Collaboration across teams

English proficiency

Job description

Adyen is seeking a Merchant Fraud Analyst in Amsterdam to identify, investigate and prevent fraudulent activities across acquiring, banking and issuing services. You will collaborate with Compliance, Product and Merchant Operations to protect the platform and its users.

You will monitor transaction patterns, develop fraud detection improvements, and guide incident response while staying current on evolving fraud trends. This role emphasizes ownership, data-driven decisions, and teamwork.