Senior CDD Risk Analyst, Onboarding

About the role

Adyen is seeking a Senior CDD Risk Analyst to lead complex enterprise merchant onboarding, ensure regulatory compliance, and drive quality improvements within the Direct Customer Onboarding team.

Key responsibilities

• Lead end‑to‑end onboarding for high‑strategic, multi‑jurisdictional merchants, conducting deep due‑diligence on corporate structures, PEPs, sanctions and high‑risk industries.
• Translate second‑line compliance policies into actionable first‑line procedures and run calibration sessions for consistent application.
• Maintain a 100% quality assurance score, act as escalation point, and execute team‑level quality control processes.
• Identify operational bottlenecks, collaborate with Product, Engineering, Compliance and Operations to optimise workflows and automate manual controls.
• Partner with Commercial, Sales and Account Management during negotiations and escalations, explaining compliance requirements and designing practical onboarding pathways.
• Mentor CDD analysts, lead training sessions and foster a culture of proactive risk ownership.

Required profile

• 6+ years experience in CDD, KYC/EDD, second‑line risk or compliance within FinTech, PSP or financial institution.
• Proven ability to evaluate complex risk scenarios, including layered corporate structures, offshore entities and multi‑jurisdictional AML/CFT standards.
• Strong commercial maturity, able to balance risk controls with business growth under tight go‑live timelines.
• Excellent written and verbal communication, high autonomy and a collaborative team mindset.

Required skills

• Deep knowledge of AML/CFT regulations (e.g., DNB, FCA, FinCEN, MAS, RBI, AUSTRAC).
• Experience with quality assurance, audit processes and SOP development.
• Analytical mindset with ability to leverage data for root‑cause analysis and process automation.