Senior CDD Risk Analyst, Direct Customer Onboarding

Amsterdam · 6+ years experience · Remote · Posted Oct 16, 2026

At a glance

The Senior CDD Risk Analyst will lead the onboarding process for complex enterprise merchants and drive quality improvements within the Direct Customer Onboarding team. This role involves acting as a subject matter expert, mentoring team members, and collaborating cross-functionally to streamline onboarding while ensuring strict regulatory compliance.

Lead the onboarding process for strategic and complex enterprise merchants.
Conduct multi-jurisdictional due diligence, including analysis of corporate structures, PEPs, sanctions, and high-risk industries.
Translate second-line compliance policies into actionable first-line operational procedures.
Perform quality control checks and maintain high-quality decision-making standards.
Identify operational bottlenecks and collaborate with Product and Engineering to optimize workflows and automate controls.
Partner with Commercial, Sales, and Account Management teams during high-stakes negotiations and merchant escalations.
Participate in merchant and commercial calls to explain compliance requirements and design compliant onboarding pathways.
Mentor CDD analysts and lead training sessions on emerging risk typologies and regulatory changes.

6+ years of experience in CDD, KYC/EDD operations, or a Second Line Risk/Compliance role within a FinTech, Payment Service provider, or Financial Institution.
Proven mastery in evaluating complex risk scenarios, including layered corporate structures, UBO transparency, and high-risk business models.
Deep knowledge of multi-jurisdictional AML/CFT standards such as DNB, FCA, FinCEN, MAS, RBI, or AUSTRAC.
Experience in direct customer interactions and merchant-facing roles.
Analytical mindset with the ability to leverage data to identify root causes of onboarding friction.
Strong written and verbal communication skills.