CDD Risk Analyst, Onboarding

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. CDD Risk Analyst, Direct Customer Onboarding Adyen is looking for a hands-on CDD Risk Analyst to join our Direct Customer Onboarding team and contribute to the growth and scaling of our customer base in North America. In this role, you will perform necessary enhanced due diligence, including reviewing KYC documentation and assessing potential anti-money laundering risks, to protect Adyen and our customers. You will be working with a wide range of teams within Adyen, including commercial, compliance, and product to ensure that our customers and understanding of them remain up-to-date and compliant. You are expected to be very detail-oriented, take a risk-based approach, and have the ability to think critically with scalability always in mind, all while maintaining a high caliber work product. What you will do * Execute upon Know-Your-Customer (KYC), Customer Due Diligence (CDD) procedures and Enhanced Due Diligence (EDD). * Collect and analyze customer information whilst documenting material changes to their organizational structures, legal entity(ies) and policies.  * Perform KYC checks on our merchants, collect and verify relevant documentation and iterate on the process flow. * Guide our merchants and be the first point of contact for every account onboarding. * Be an internal product advocate, drive process improvements and feedback on automation within our workflows. * Be an internal advisor for Direct Customer Onboarding related questions in the local office and our North America team. * Align with our global teams to ensure consistency throughout our risk assessments for Onboarding. Who you are * 3+ years experience in Customer Due Diligence/Enhanced Due Diligence/KYC. * Knowledgeable of AML/CTF, CDD, EDD, and payments risk concepts. * You have a great sense of responsibility, integrity in your work, and you prioritize tasks based on business needs. * You have a natural tendency to be curious and think outside of the box. * You possess a strong affinity for AI and automation, effectively leveraging advanced tools to streamline operational workflows and drive scalable solutions. * You are comfortable navigating ambiguity in an unstructured work environment and enjoy working with people from different cultures and backgrounds. * You are a clear communicator with a strong team spirit, not afraid to step out of your comfort zone, and feel confident tailoring your message to your audience. * You have an analytical and critical mindset that helps inform your risk-based approach.  * You get a sense of achievement from solving operational problems and helping others. * You are operationally oriented with an eagerness to pick up and drive projects with cross-functional teams.  * You are willing to travel 10% of the time throughout the year. Please, note that this role is a full-time position in our San Francisco office (not remote). The base compensation range for this role in San Francisco is: $90,000-$125,000. The total compensation package also includes equity (RSUs).  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. Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status. All your information will be kept confidential according to EEO guidelines. SAN FRANCISCO  Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. This role is based out of our San Francisco office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Department Description Operations in banking like in every other firm is established to carry out all day-to-day transactions of the business. The Operations function within Allica has wide-ranging responsibilities supporting the customers of all product lines (Commercial Mortgages, Asset Finance, Deposits and Payment Account with aligned card activity), alongside our own internal stakeholders. We are particularly focused on the following, ensuring that the bank adheres to all relevant Regulatory requirements and our own internal policies and procedures at all times: • Slick digital account opening, and in life servicing. • Customer contact via telephony, email and in-app communications. • Payment and reconciliation activity. • Treasury operations. • Customer due diligence through Know Your Customer, Know Your Business. • Lending pipeline management. • Quality assurance and control. • Issue resolution. • Effective record keeping and data management. • Support of all change initiatives. Role Description • Undertakes all CDD activity to support the onboarding and ongoing review and validation of both Retail and SME customers to the Bank. • Undertaking EDD (Enhanced Due Diligence) where higher risk ratings are present to ensure the bank is protected from fin crime risk. • Responsible for ensuring and operationalising all required AML activity in conjunction with the 2nd Line Risk and Compliance teams and the MLRO with a particular focus on the management of risk and meeting regulatory requirements, whilst acting at all times in the best interest of customers, employees and other key stakeholders. • Responsible for the day-to-day 1st Line CDD activity validating the quality of decisioning supported by external agencies and undertaking full reviews and making decisions and recommendation on more complex CDD activity which falls outside of system parameters. • Will work closely with colleagues across the operations function (including across sites) and other Bank functions to ensure end-to-end coverage of onboarding, account review and payment processes and with a strong working and collaborative working relationship required with the 2nd Line Risk & Compliance colleagues and the MLRO. Principal Accountabilities • Implement and observe a first-class leading CDD record and review framework, with records accurately maintained and properly catalogued in accordance with the framework and its procedures and requirements. • Implement and observe an AML record and review framework, with records accurately maintained, properly catalogued in accordance with the framework and its procedures and requirements. • Ongoing review of all CDD processes and procedures to assure that key failure points are identified and appropriately flagged. • Develop and implement a CDD reporting dashboard in line with business operational and reporting needs. • Ensure controls and checks are in place and are being actively managed to ensure all activities including the management of exceptions and reconciliations are completed accurately, effectively and in a timely manner, escalating issues and problems to the HOO. • CDD & AML subject matter SME, working closely with all projects delivering change into the Bank to identify to ensure relevant CDD & AML responsibilities are appropriately considered. Personal Attributes & Experience • CDD and AML subject matter expert and practitioner, • Excellent working knowledge of FCA, PRA regulations and JMLSG guidelines. • Able to facilitate, manage and approve CDD and EDD cases within delegated authority, escalating to the MLRO and with records • Able to review CDD records for accuracy, completeness and compliance with AML regulatory compliance including maintaining and updating existing clients • Experience of dealing with a variety of entity types including complex SPVs, charities, trusts and corporates, including SME customers with complex business structures across multi-jurisdictions. • Able to establish final beneficiary ownership within entities, conducting checks such as PEP, sanction and adverse media and maintaining PEP registers • Liaising with internal departments and acting as point of contact for clients to resolve any queries, with experience of working with outsourced and multi-site operations. • Proven experience building and implementing strategies to identify and mitigate CDD and AML risks • Experience of building, implementing and improving the customer experience attaching to the CDD and AML processes. Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.