AML Compliance Officer Customer Risk
Adyen · Amsterdam
This is Adyen
Adyen is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Facebook, Uber, H&M, eBay, and Microsoft. To maintain our momentum, we need people to join us in finding new ways of solving our unique challenges.
AML Compliance Officer Customer Risk
A key part of building our business is ensuring we do it ethically, securely, and sustainably. In order to do so, Adyen needs to understand and monitor at all times what happens on our platform and whether this is in line with regulations and our risk appetite. And that in a scalable, automated, and adaptive way.
To achieve this, we are looking for a Compliance Officer to join our AML/CFT Compliance Department based in Amsterdam, covering our global business. In this role, you will be the Second Line expert responsible for driving the evolution of Adyen’s Customer Risk and broader CDD Framework.
Sitting in the Second Line of Defense, you will bridge regulatory requirements with technical product execution. You will work directly alongside Product Management, Engineering, and Regulatory teams to design, embed and monitor effectiveness of scalable, data-driven customer risk scoring models that minimize customer friction while ensuring rock-solid regulatory compliance.
Are you a senior specialist who excels at translating complex CDD/KYC regulatory requirements into scalable operating frameworks? Then this is the role for you!
What you'll do
- CDD Framework: Drive continuous maturity of Adyen's global CDD framework, translating regulatory expectations and supervisory guidelines (e.g., DNB, EU AML Regulation) into processes and procedures.
- Customer Onboarding: Align and evolve Adyen's global CDD procedures, defining baseline Financial Crime data requirements as well as standards for customer onboarding and ongoing review. Support relevant teams in translating it into clear 1st LoD operational guidelines.
- Customer Risk Scoring: Support the design and implementation of Adyen's risk-based approach toward customer risks, conducting deep-dive assessments of potential integrity risks across complex business models and platform structures.
- Product Collaboration: Partner up with our Product and Engineering teams to translate compliance procedures and risk-scoring logic into scalable, automated customer risk solutions.
- Operational Alignment: Support operational execution by designing, refining, and reviewing operational guidelines and 2nd-line oversight mechanisms for customer risk reviews.
- Audit & Regulatory Reviews: Support internal audits and regulatory examinations by explaining customer risk scoring logic and CDD framework design.
Who you are
- You're a CDD & Customer Risk Expert: You bring 4+ years of hands-on experience in financial crime, CDD/KYC framework design, or customer risk classification within a fast-scaling fintech, tier-1 bank, or specialized compliance practice.
- KYC Data & Product Fluency: You understand the mechanics of KYC data requirements. You can discuss data structures, API workflows, and onboarding logic with Product Managers just as comfortably as you discuss regulatory frameworks with senior stakeholders.
- Framework Architecture: Experience in building, refining, or operationalizing CDD frameworks, risk-based approaches, or customer risk methodologies in complex organizational setups is a plus.
- Strong Project & Stakeholder Management: Excellent organizational skills with a demonstrated ability to lead cross-functional initiatives, manage stakeholders, and bridge the gap between Product & Tech, Regulatory, and Operations.
- Pragmatic & Solution-Oriented: You view compliance as an enabler of sustainable growth, balancing strict regulatory expectations with seamless user experience.
- Clear Communication: Fluent in spoken and written English.
Our Diversity, Equity and Inclusion commitments
Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.
Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!
What’s next?
Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.
Please note that this role is a full-time position in Amsterdam. Relocation will be required if you currently reside outside of the Netherlands.