CDD Risk Analyst, Event Driven Reviews

As a CDD Risk Analyst, you will be focused on Event Driven Reviews (EDRs) in Adyen's Global Merchant Operations Department. Event-Driven Reviews are triggered dynamically by material changes in merchant risk profiles, transaction and chargeback anomalies, adverse media, regulatory alerts, corporate restructurings, or potential integrity escalations across Adyen's acquiring, issuing, and banking products. You will execute deep-dive investigative reviews into heightened risk events, evaluating whether merchant activity remains in line with Adyen's Risk Appetite, while working closely with AML, Fraud, Sanctions, Payment Risk, Credit Risk, Product, and Commercial teams.

Responsibilities

Conduct comprehensive, deep-dive investigations on merchants triggered by automated monitoring, adverse media, portfolio alerts, scheme notices, or commercial escalations; Evaluate whether existing merchants remain within Adyen's Risk Appetite Framework, identifying and assessing non-financial crime risks; Dissect complex corporate structures, ultimate beneficial ownership (UBOs), product lines, delivery models, and counterparty relationships to uncover root causes of risk triggers; Formulate and execute risk actions, from enhanced operational monitoring and contract amendments to formal offboarding workflows; Act as the strategic bridge between First and Second Lines of Defense; Continuously evolve and maintain EDR standards, decision frameworks, SOPs, and internal training; Articulate high-stakes risk decisions and evidence-backed rationales to senior internal leadership, scheme representatives, regulators, and merchant executive teams

Requirements

4–6 years of experience in Merchant Risk, Underwriting, Risk Appetite Assessment, Integrity/Trust & Safety, or Complex Investigations within a global PSP, Acquiring/Issuing Bank, high-growth FinTech platform or Financial Economic Crimes; Comprehensive understanding of the global payments value chain (acquiring, issuing, schemes/card networks, banking products); Proven track record evaluating non-financial crime risks such as high-risk/prohibited business models, regulatory licensing compliance, brand and reputational risks, merchant misrepresentation, and contractual non-compliance; High comfort operating in grey areas and making and defending difficult, high-stakes decisions backed by evidence and business rationale; Strong data literacy; Self-starter with high ownership who thrives in an international, matrixed environment; Strong risk-driven mindset, exceptional professional judgment, and ability to conduct holistic risk assessments; Able to work with high energy and a positive, intentional attitude; Authorized to work in the United States without new visa sponsorship

Nice to have

ACAMS or Financial Economic Crimes related certifications; Experience with SQL, Tableau, Looker, or similar BI tools

Benefits

Equity (RSUs); 401(k); Health; Dental; Vision; and more