Senior CDD Risk Analyst - Complex Onboarding Lead

Adyen; Amsterdam; On-site; EUR 110,000 - 160,000; Full time

Job summary

Adyen seeks a Senior CDD Risk Analyst for its Direct Customer Onboarding team in Amsterdam. You will lead onboarding for strategic enterprise merchants, conduct multi-jurisdictional due diligence, and moderate risk in complex structures while aligning regulatory policies with business goals.

Role emphasizes quality control, mentorship, and cross-functional collaboration with Compliance, Product, and Commercial teams in a fast-paced fintech environment.

Qualifications

• 6+ years experience in CDD, KYC/EDD operations or Second Line Risk or Compliance role within a FinTech, Payment Service provider, or Financial Institution.
• Complex Risk & Regulatory Depth: deep experience navigating layered corporate structures, offshore/nominee entities, UBO transparency, high-risk business models, multi-jurisdictional AML/CFT standards.
• Commercial Maturity & Pragmatism: negotiating and implementing concrete risk-mitigation solutions that enable safe growth.
• Merchant-Facing & Direct Customer Engagement: direct interactions bridging compliance with commercial needs.
• Data Rigor & Continuous Improvement: using data to identify onboarding friction and drive tooling enhancements.
• Autonomous & Strong Team Mentality: proactive knowledge sharing and coaching across teams.

Responsibilities

• Lead the onboarding process for Adyen's most strategic and complex enterprise merchants, conducting multi-jurisdictional due diligence.
• Translate complex compliance policies into actionable procedures and align with teams across the org.
• Maintain First-Time-Right quality, perform quality checks, upskill team members, and ensure accurate risk reasoning.
• Identify bottlenecks in end-to-end onboarding; collaborate with Product, Engineering, Compliance, and Operations to optimize workflows.
• Partner with Commercial, Sales, and Account Management during negotiations and escalations to balance regulatory integrity with growth.
• Mentor a cohort of CDD analysts and lead training on emerging risk typologies and regulatory changes.

Skills

Complex Risk

Regulatory Depth

Commercial Maturity

Merchant Engagement

Data Analytics

Mentorship

Team Autonomy

Job description

Adyen seeks a Senior CDD Risk Analyst for its Direct Customer Onboarding team in Amsterdam. You will lead onboarding for strategic enterprise merchants, conduct multi-jurisdictional due diligence, and moderate risk in complex structures while aligning regulatory policies with business goals.

Role emphasizes quality control, mentorship, and cross-functional collaboration with Compliance, Product, and Commercial teams in a fast-paced fintech environment.