Senior Risk Data Analyst Jobs (NOW HIRING)

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.

We are looking for a Senior Optimization Data Analyst to take a defining role in how Adyen drives payment performance for its most complex merchants. As a senior member of the Performance Optimization team, you will bring the full breadth of payment optimization expertise expected at this level, across authentication, authorization, and cost, while going deeper in risk, fraud, and ML-driven decisioning than any other role on the team. You will combine hands‑on technical capability with recognized domain expertise in risk to lead the team’s most complex merchant engagements, shape PO’s analytical methodology, and accelerate the adoption of Adyen’s optimization capabilities across the merchant portfolio.

This role sits at the intersection of technical depth and commercial impact. You will work directly with large‑scale transactional data, including ML output and labeled risk data, to generate comprehensive insights that connect to merchant strategy. You will do this in close collaboration with Adyen’s product teams, through insights and feedback that drive product improvements, and an analytical layer that makes risk model behavior more interpretable and actionable for merchants and internal teams alike. You will build the frameworks, tools, and knowledge that allow the broader PO team and commercial stakeholders to operate with greater confidence and independence in this domain.

The ideal candidate has a track record of driving measurable outcomes through data analytics in payments or fintech, with deep hands‑on experience working with large‑scale transactional data, and ML-based risk data. They operate with a high degree of autonomy, owning complex analytical problems end to end from scoping through to recommendation, without requiring active direction to make progress. And they bring the ability to translate what the data reveals into strategies that merchants and internal teams can understand and act on.

• Domain-Led Merchant Engagement: Lead PO’s most complex merchant engagements in the risk, fraud, and ML optimization domain. This includes designing and interpreting sophisticated analyses, advising merchants on how to safely operationalize ML‑driven decisioning systems, identifying performance gaps that require domain‑level expertise to diagnose, and driving strategic improvements in fraud strategy, risk rule configuration, authentication flows, and authorization performance across Adyen’s largest customers.
• Risk Analysis and Insight Generation: Work directly with large‑scale risk model data, including ML output and labeled risk data, to analyze model behavior, detect performance patterns, and generate insights across merchant segments, traffic types, and risk profiles. In close collaboration with Adyen’s product teams, contribute to building an analytical layer that connects model behavior to merchant strategy, improving explainability and enabling more targeted optimization. This work requires the ability to go beyond standard analytics and work with raw, complex data to surface what is not yet visible.
• Product Collaboration and Portfolio Intelligence: Work closely with Adyen’s risk product teams to contribute structured, data‑backed insights based on patterns observed across the merchant portfolio. Identify where risk model configurations produce inconsistent outcomes across segments, where merchant strategies diverge from model behavior, and where analytical findings can inform product priorities, as well as ensure merchants are equipped to configure, trust, and act on model‑driven recommendations. This contribution operates at the portfolio level, going beyond the level of individual merchant escalations, and is grounded in data, rather than isolated merchant observations.
• Analytical Excellence and Methodology Ownership: Drive the quality and rigor of PO’s analytical work in the risk and fraud domain. Design and execute advanced data analyses, A/B tests, and statistical investigations that set the methodological standard for the broader team. Own the development of reusable analytical frameworks, experiment designs, and best practices that other ODAs and OMs can apply independently. Operate with a high degree of autonomy: this role is expected to self‑direct from problem scoping through to insight and recommendation without requiring active management to progress.
• Automation and Scalable Technical Solutions: Lead or contribute to automation initiatives that expand PO’s reach beyond direct merchant engagement. Build scalable data products, tools, and analytical workflows that allow commercial stakeholders, including Account Managers and Sales teams, to access and act on risk and fraud optimization insights without requiring PO involvement for every interaction. Identify where engineering effort creates the highest leverage and execute accordingly.
• Commercial Enablement and Knowledge Transfer: Develop playbooks, and reference frameworks that enable PO and commercial stakeholders to engage more confidently on risk and fraud optimization topics. Reduce PO’s dependency on individual expertise by making domain knowledge transferable, documented, and accessible. Mentor and provide technical guidance to other analysts, fostering a culture of analytical rigor and continuous learning within the team.
• Emerging Optimization Domains: Develop and maintain a forward‑looking perspective on where the risk and fraud optimization surface is evolving. This includes the implications of ML adoption curves, the declining value of scenario‑based rules, and the emerging authentication and fraud challenges introduced by agentic commerce and agent‑initiated payment flows. Translate this perspective into actionable frameworks for merchants and internal teams before these challenges become acute.
• What you’ll do reflects a role that spans technical depth, merchant impact, and organizational multiplier effect. The expectation is not to do all of these with equal intensity at all times, but to operate across all of them with increasing ownership and impact over time.

Who you are

• 10+ years of relevant experience in data analytics, data science, risk, or fraud optimization, with a demonstrated track record of driving measurable impact in a payments or fintech environment.
• Deep expertise in risk and fraud analytics, including hands‑on experience working with ML‑based decisioning systems and large‑scale risk model data. You are comfortable working with raw model output and labeled risk data to generate insights that go beyond standard analytics.
• Expert‑level proficiency in Python, SQL, and PySpark, with hands‑on experience in large‑scale data processing, scalable ETL pipeline development, and production‑grade analytical systems.
• Strong experience with data visualization and self‑service analytics tools such as Looker or Tableau, with the ability to design dashboards and tools that non‑technical stakeholders can use independently.
• Deep understanding of statistical methods including hypothesis testing, experiment design, regression modeling, and the ability to apply these rigorously in a business context where decisions have commercial consequences.
• Experience with big data technologies including Spark and Airflow, and version control systems including Git, with a standard of engineering quality that produces reliable, maintainable, and scalable outputs.
• Demonstrated ability to work at the boundary of technical and commercial: translating complex analytical findings into merchant‑facing recommendations, product feedback, and strategic narratives that influence decisions at the senior level.
• Proven ability to lead high‑impact, cross‑functional initiatives independently, with the organizational credibility and communication skills to align stakeholders across commercial, product, and data functions.
• A forward‑looking perspective on where payments risk and fraud optimization are heading, including familiarity with how ML adoption is reshaping risk strategy, how authentication frameworks are evolving under regulatory and commercial pressure, and how emerging payment patterns such as agentic commerce introduce new fraud and dispute challenges.
• Ownership mentality, intellectual curiosity, and the ability to operate in a fast‑paced, cross‑functional, global environment where ambiguity is the norm and impact is the measure.
• A track record of making the people and teams around you more capable: through mentorship, knowledge transfer, methodology development, and tooling that scales your expertise beyond your own direct output.
• Payments or fintech industry experience is required at this level, not a plus.

The annual base salary range for this role is $154,000 - $200,000. Compensation is based on factors including qualifications, experience, and location. Total compensation package includes equity (RSUs), 401(k), health, dental, vision, and more.

This role is based in our Chicago office. We’re an office‑first company and expect employees to work in‑office at least 3 days a week on average. This approach helps strike a balance between bringing people together for in‑person collaboration and learning from each other, while also supporting flexibility.

We actively seek different perspectives to sharpen our ideas. Our unique culture is a product of our diverse backgrounds and experiences. No matter who you are or where you’re from, you’re welcome to your true self at Adyen.

If you need accommodations or support during the recruitment process to perform at your best, you’ll have the opportunity to let our team know in your application. We encourage people from all backgrounds and abilities to apply.

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. If you have specific time constraints, please communicate them with your recruiter, and we’ll do our best to accommodate them where possible.

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.

The way we work is guided by the eight principles of the Adyen Formula. Learn more here.

Our engineers are building the first financial technology platform that combines payments, data, and financial services. We’re looking for more talented problem solvers to help us address a unique set of challenges.