Financial Risk Specialist in Amsterdam

At bunq , we move fast, launching products, entering new markets, and onboarding partners across the globe. Behind every partnership that makes users’ banking experience better, there's a contract. We need a sharp, senior lawyer who owns that process end to end, and in doing so, gets a front-row seat to every corner of bunq's business, from product launches to market expansions. Up for this? Kick off your application by taking our assessment and find out if bunq is your perfect match. Take ownership As our Medior Legal Counsel, you'll get exposure to all areas of legal at bunq, from product launches to regulatory changes to new market expansions. On top of that, you own the following: Be the go-to person for every third-party contract at bunq, from payment processors to tech vendors, making sure we move fast without cutting corners. Take our AI contract review tool (Luminance) to the next level, building smarter workflows that handle more, faster, with you setting the bar for what gets signed. Give bunq's leadership a clear, real-time picture of our third-party risk, so decisions get made on facts, not gut feeling. You are a qualified lawyer with a Master's degree in Law and a strong background in financial services. You've reviewed and negotiated a high volume of third-party contracts, vendor agreements, data processing agreements, tech partnerships, and you know what good looks like. You're comfortable with the regulatory landscape: GDPR, PSD2, DORA, DNB/EBA, you don't need to look these up, you work with them every day. You've used AI tools to make legal work faster and smarter, and you know how to build processes around them, not just use them. You use good judgment to make the call yourself, you know when to push back on a contract and when to get the deal done. You speak conversational Dutch (B1+ or higher), so you can navigate contracts, conversations, and context in both languages. Curious to see how we make life easy? - try the bunq app , it only takes 5 mi

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,700 Qontoers serving over 750,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join us as a People Operations Manager — Netherlands & International Expansion and help build the people foundations for Qonto’s geographic expansion. Based in Amsterdam, you’ll own day-to-day People Operations for the Netherlands, improve local policies and processes, and help establish our people setup in new markets. Working closely with local leaders, People Business Partners and Compensation & Benefits, you’ll turn local requirements and employee needs into reliable, scalable practices. You’ll join our People Operations team and report to Julia Lecointe, Head of People Operations. ➡️ What you'll do Employee experience: Be the local People Operations point of contact for employees and managers, managing onboarding, offboarding, absences and day-to-day HR

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. Senior Compliance Officer We are looking for a highly organized, detail-oriented, and commercially aware individual contributor to join our Payments Compliance team as a Senior Compliance Officer for our Brand Integrity pillar. This role is focused on supporting the governance, execution, and continuous improvement of our brand-integrity programs, including network initiatives such as BRAM, VIRP, GRIP, and related oversight for complex merchant verticals such as payment facilitators, marketplaces, and other higher-scrutiny business models. You will work at the intersection of Payments Compliance, Risk, Commercial, Partnerships, Legal, and Operations to help ensure our brand-integrity framework is consistently applied, well-documented, and scalable across regions. This role is ideal for someone who enjoys structured problem-solving, cross-functional coordination, and turning policy and program requirements into practical execution. What you'll do Lead and coordinate program management activities across the Brand Integrity pillar, including network program tracking, escalations, remediation follow-up, documentation, and stakeholder coordination. Support the operational governance of card-network and alternative payment method related integrity programs, ensuring requirements are tracked, communicated, and implemented consistentl

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. Associate Commercial Counsel We are looking for a driven and enthusiastic Associate Commercial Counsel based in Amsterdam to join the global Deal Desk within the Commercial Legal team at Adyen. As Associate Commercial Counsel, you will be responsible for negotiating complex contract negotiations with our vendors and commercial partners. You will also be responsible for drafting comprehensive negotiation playbooks, training internal teams on how to navigate and negotiate vendor and partnership relationships, advising on contract interpretation, and other general commercial matters. This is a role for a counsel who thrives in a fast-moving, complex environment, who is commercially-minded, and who can leverage their sophisticated legal expertise and strong communication skills into tangible, scalable value that accelerates Adyen’s global growth. What you will do: Provide strategic, business-oriented legal advice across procurement, partnerships, product, and regulatory teams globally, including on our contracting principles, commercial projects, and legal and regulatory compliance within our vendor and partner contracts. Draft, review, and negotiate a wide variety of complex, multi-jurisdictional commercial agreements. Proactively problem solve for emerging legal and operational risks, providing risk-based decisions on complex le

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. Senior Procurement Manager - Data Centers We are looking for a fast learner and hands-on Procurement Manager to join Adyen's Procurement team, a dynamic global team within our Finance function. The goal of the team is to contribute to Adyen’s 10x ambition through sustainable commercial decisions, risk mitigation, contract and vendor management, ultimately empowering stakeholders to deliver their strategies. You will work in the data center category, alongside another category manager and a supply chain manager, but as Adyen grows, and the Procurement team with it, this scope might change and increase in the future. What you'll do Act as a business partner to stakeholders such as Infrastructure, Data Center Engineering, Legal and Sustainability, delivering value and enabling their strategies. Lead and initiate commercial negotiations, including but not limited to contract renewals and setting up new agreements. Be responsible for the supplier selection process, RFx and screening. Work with the Infrastructure team on roadmaps, including our DC expansion plans. Do vendor monitoring on performance and contractual agreements. Be tracking and reporting on industry trends. Build and maintain relationships with key vendors. Who you are 7+ years of relevant experience, including category management or sourcing. Deep knowledge and exper

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. Optimization Manager Adyen is seeking a strategic and analytical Optimization Manager to join our Performance Optimization team in Amsterdam. In this role, you will be responsible for managing full-funnel payment performance to drive tangible business impact and optimize merchant success at scale. You will act as a key partner to our merchants, leveraging data-driven insights to enhance their payment ecosystems. Success in this position requires a blend of excellent project management skills and the ability to collaborate seamlessly with cross-functional teams, including Product, Commercial, and Data Analytics, within a fast-paced and global environment. The ideal candidate possesses deep payments expertise, a strong focus on risk and fraud prevention, and the ability to translate complex technical findings into clear, actionable recommendations for both technical and non-technical stakeholders. What you'll do Partner with commercial teams to drive Adyen’s value proposition and merchant adoption, using data-driven insights (with Data Analysts) to strengthen conversations Lead high-level customer discussions, enable commercial teams with tools/trainings, and act as a payment optimization SME across risk, fraud, conversion, and cost efficiency Analyze merchant portfolios and payment data to identify optimization opportunities, run pla

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. Merchant Fraud Analyst We are looking for an ambitious analyst to join our Merchant Fraud team. As part of the Merchant Fraud team in Amsterdam you will be working closely with Compliance, Product and other Merchant Operations teams. As a Merchant Fraud Analyst you will be responsible for identifying, investigating, and preventing fraudulent activities related to our acquiring, banking and issuing services. Your expertise will contribute to maintaining the integrity of our platform and ensuring a secure and trustworthy environment for our users. The Merchant Fraud Team is responsible for detecting and mitigating fraudulent activity, to reduce risk at scale for Adyen and its customers. What you’ll do Monitor and investigate transaction patterns, account activity, and user behavior patterns to detect and mitigate fraudulent activity in real-time. Assist in the development and optimization of fraud detection systems and tools, suggesting improvements and enhancements as needed. Develop and optimize policies and procedures for fraud incident response, root cause analysis, funds recovery and communication protocols. Manage fraud recall handling, coordinating with banks and networks to recover funds where possible. Stay up-to-date with the latest fraud trends, techniques, and technologies to continuously enhance fraud detect

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. Senior Security Program Manager Adyen is looking for a Security Program Manager to join the Tech Regulatory team within the first line of defense. The Tech Regulatory team ensures that the platform is secure, reliable and compliant with all global regulatory requirements. As a Security Program Manager, you are responsible for ensuring that our products and services comply with security regulations and laws. You actively engage, bring together, and communicate with people from various teams to be successful in ensuring continued compliance of products and services and you manage multiple security compliance programs such as PCI-DSS and PCI 3DS. What you'll do Program Management: Manage programs across multiple domains - for example responsible for program managing the PCI-DSS and PCI 3DS certifications in addition to supporting security on regulatory requirements surrounding a broad set of security risk domains for example security detection and monitoring, data loss prevention, vulnerability management and three core operational risk domains as your team’s core anchor: Incident Management, Change Management, and Business Continuity Management Defining standards and ensuring frameworks withstand internal and external scrutiny Operational Design: Translate complex regulatory requirements into actionable operational program desig

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. GL Accountant: Adyen is looking for a General Ledger Accountant to join our Group Finance team in Amsterdam. In this role, you aren’t just "processing numbers" , you are the engine behind our Record-to-Report (R2R) cycle for Operational Expenses. You will act as the critical link between business operations and financial data, ensuring that as Adyen scales, our financial integrity remains rock-solid. You will move beyond simple data entry to maintain a holistic "risk mindset," proactively identifying vulnerabilities and anomalies before they ever hit a report. Being part of a centralized Finance Operations team means you’ll be working in the engine room of a listed financial institution, where your work directly impacts our global trial balance. What you’ll do R2R Ownership: Act as the detail layer for Operational Expenses, owning the accuracy of GL bookings and ensuring a clean Trial Balance. Accounting Control: Apply rigorous controls to the P2P and R2R cycle. You’ll validate data flowing from FinOps, manage supplier accruals, and reconcile prepaid assets. High-Value Oversight: Act as the financial gatekeeper for high-value transactions, performing due diligence to ensure accuracy and relieving Financial Controllers of transactional approvals. Risk & Anomaly Detection: Regularly review the full ledger to detect trends or vulne

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. Senior Product Manager, Banking Networks Adyen is a truly global company that processes billions in payments annually. Adyen's value goes beyond Ecommerce and In-Person payments with a broad offering of embedded payments and financial services like issuing, bank accounts, and capital; facilitated by Adyen's global banking licenses. Behind every one of these products sits a critical dependency: reliable, direct connectivity to the world's banking infrastructure. We are looking for a Senior Product Manager to lead and scale our global Banking Networks capabilities. You will lead the Banking Networks team responsible for integrating with banking partners worldwide, including banks, clearing houses, payment rails and providers (excluding North America, which is owned by a dedicated regional team). This role sits at the core of Adyen's financial products, owning the end-to-end processing of banking transactions across a wide variety of market infrastructures and use cases. You will build and maintain best-in-class banking connectivity that our financial products depend on, from local scheme integrations to real-time payment rails. You will work closely with Banking Products, Payouts, Payments, Merchant Finance, Accounting, Compliance, Legal, Risk, Commercial, and Operational teams, as well as customers, to understand their needs and tran

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. The Opportunity Adyen is building a top-tier AI engineering organization in Amsterdam, San Francisco and Madrid to drive our next chapter of innovation using AI globally across the entire company. This is a highly technical, hands-on role focused on the exploration and application of cutting-edge AI research within the financial technology sector. As a Senior AI Research Engineer, you will operate with a high degree of autonomy and responsibility , delivering strategic, high-impact outcomes that bridge the gap between advanced AI research and production-grade applications at a global scale, potentially impacting trillions of dollars in transactions annually. What You'll Do: Innovate and Deploy: Drive the execution of Adyen's AI strategy , focusing on the practical application of Generative AI (GenAI) and other AI methodologies in finance . This includes contributing to Adyen's efforts in key research areas such as AI agents for data analysis and operational workflows , human-in-the-loop for integrity risk , and development of foundation models . For instance, you might contribute to initiatives like the Data Agent Benchmark for Multi-step Reasoning (DABStep) , which evaluates AI agents on real-world data analysis tasks, including those from the financial sector. Build Production-grade Applications: Bridge the gap between cutti

Ready to Get Shit Done? At bunq, we're not just building a banking app, we are reshaping how people experience financial freedom globally. To sustain that mission while protecting our users and our business, we need an Internal Auditor focused on Regulatory Compliance to ensure we meet every regulatory requirement, manage compliance risks, and keep our operations audit-ready at all times. As an Internal Auditor - Regulatory Compliance, your mission is to safeguard bunq's regulatory standing by identifying and mitigating compliance gaps, ensuring adherence to evolving regulations across all markets we operate in, and building the audit infrastructure that keeps our business resilient. Take Ownership As an Internal Auditor - Regulatory Compliance, you will own: Conduct compliance audits across all business lines (AML, KYC, data protection, market conduct) and identify gaps with concrete remediation recommendations. Build and execute the audit roadmap, prioritizing high-risk regulatory domains and ensuring systematic coverage across our markets. Drive remediation tracking with business teams, ensuring findings are addressed and root causes fixed, not just symptoms. What You'll Work on Right Away Compliance Audit Program: Design and execute the first multi-domain compliance audit program, covering AML/KYC, data protection, market conduct, and operational risk, delivering findings and a forward remediation roadmap. High-Risk Compliance Assessment: Conduct a deep-dive audit into bunq's highest-risk regulatory areas (likely payment services directives, data governance, or market-specific regulations depending on your markets), identifying systemic gaps and building a remediation plan. Regulatory Change Impact Assessment: Analyze recently enacted or upcoming regulations across our markets and assess operational readiness, working with stakeholders to ensure bunq remains compliant before enforcement deadlines. Do You Have What It Takes? Regulatory audit expertise: Proven exp

At bunq, we’re on a mission to truly make life easy for our user. Part of that is keeping her safe: stopping criminals while making sure clean users are never held up, flagged, or offboarded for nothing. To lead this, we’re looking for a Transaction Review Lead to join our team. As Transaction Review Lead, you’ll own bunq’s line against money laundering, terrorist financing, and sanctions evasion, across both Transaction Filtering Review and Transaction Monitoring Review. You’ll bring them together into one team, with 5 direct reports. Take Ownership: Simplifying from user’s Perspective: Redesign every Transaction Review process starting from what’s best for the user, as part of our zero-based Future of FinCrime redesign. AI Where It Counts: Establish the real volumes first, then use AI and in-house models only where they make things faster or better for Eva, not automation for its own sake. Risk Ownership: Own the quarterly risk assessment across both domains and close CAP items before they turn into compliance breaches. One Team, One Rhythm: Unite TFR and TMR behind the same KPIs (CSAT, UE, Total Handle Time, Compliance breaches) with a clear weekly cadence, owners, and fast escalation of blockers. Decisions That Hold Up: Make sure the rationale behind every investigation decision is documented to a standard that would survive a regulator’s review. Coaching & Accountability: Give your team direct, constructive feedback and hold everyone accountable for delivering. You lead independently across multiple compliance domains, making quality, redesign, and escalation calls without waiting for supervision. You have strong regulatory and compliance judgment at scale in TF/sanctions and transaction monitoring, where a wrong call has real regulatory consequences. You spot risks early and close them before they become problems, and you can show us when you did. You have an AI-native, process-simplification mindset: you rethink the process from Eva’s side first and go AI-led

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. Senior Product Manager - Financial Products This is a high impact role based in Amsterdam and part of the FX and Cash Management team. We are looking for a candidate who is passionate about financial technology, adopts an AI-first product development mindset, and is excited about Adyen’s opportunity to grow its financial products business by 10x in the next 2-5 yrs. In this role, you will be responsible for building and maintaining a reliable FX trading platform, enabling the whole company to use your services. You will also be responsible for creating the vision, strategy and implementation of the cash management tooling, working closely with the Treasury department but also with our merchants to identify their needs. What You'll Do: Set strategy and roadmap for the FX and cash management team. Lead execution working closely with the Engineering, Product, Treasury, Finance and Commercial teams, to deliver a cohesive FX platform that scales globally without compromising reliability or trust. Establish governance for FX across multiple teams and departments , defining success and operational metrics, driving alignment across Adyen. Build a first-in-class Treasury Management System that serves both the needs of our customers and our internal teams. What Success Looks Like: Within the first 6-12 months, you will

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. Head of Engineering: Financial Data Experience At Adyen, payments and money movement are central to what we do. As the Head of Engineering for Financial Data Experience, you make sure our customers never have to work out where their money went. You build the datasets and experiences that our global merchants, regulators and Adyen Finance rely on to trust their numbers. Each of them receives fully explained financial data in a format they can verify and audit. You do this by defining what a payment, a fee, a payout or a correction looks like to a customer, and what our reconciliation experiences and reports actually show. This role bridges the gap between Adyen's internal ledger complexity and the unified, customer-facing money movement experience. The goal is an automated, self-serve, trustworthy experience. What You Will Do As Head of Engineering, reporting to the SVP of Engineering and working with peers across Payments, Financial Products, Platform, Compliance and Finance, your focus will be: Own the customer-facing model of money movement for merchants, regulators, and Adyen Finance, ensuring data reflects the merchant's entities and periods rather than mirroring internal systems. Own how that data is delivered: datasets, reports, files and dashboards, on the same terms for every team that publishes through us. Create an e