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Compliance Analyst

Brazil, Sao Paulo · Job Posted December 15, 2025
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Job Description

In order to build a sustainable business, we, as a financial institution, need to know at all times what our customers are up to and whether this is in line with Card Scheme regulations and our risk appetite. The Scheme Operations team is responsible for ensuring that our merchants are compliant with these regulations. The LATAM Scheme Operations team is based in São Paulo and you will work closely with different teams globally, such as Compliance, Sales, Account Management, Card Payments team, Underwriting and Product. You are somebody who takes ownership, learns fast and has a critical mindset as you are always looking for ways to optimize our risk-control efforts, our internal processes and find scalable solutions to keep our portfolio compliant. You support strategic business growth while meeting compliance goals and mitigate non-compliance losses for Adyen and its clients. Besides providing ongoing guidance to our Merchants, Underwriting and Commercial teams, you will also be in direct contact with the card schemes, such as Visa and Mastercard.

Job Responsibility

  • Take ownership over our operational merchant risk management processes, such as registration of Payment Facilitators, Marketplaces and Wallets with the Card Schemes
  • Help embed a good risk culture in the first line through proactive engagement, training and collaboration in supporting adoption of the three lines of defense model
  • Stay up to date of the latest Card Network requirements and Adyen product expansions. Translate this into an operational strategy for the Scheme Operations team, Implement relevant card scheme rule updates and provide ongoing guidance to our merchants and internal teams, including Underwriting, Sales and Account Management
  • Set up new processes to monitor our merchant portfolio against card scheme rules
  • Process Enhancement: Proactively and systematically drive process improvements and automation on our workflows
  • Manage non-compliance notifications from the card schemes. Work closely together with our Merchants, Account Managers, Card Schemes and other stakeholders to solve these cases quickly
  • Help internal teams establish strategies that align with global objectives to ensure controlled and sustainable growth of the business

Requirements

  • Previous experience in payment industries, with scheme rules, such as Acquirers, Fintechs or Card Network Company is required
  • Fluent level of Portuguese and English, both written and spoken
  • Minimum of 3 years of relevant experience with Card Scheme Compliance
  • Understanding of technical bulletins, scheme manuals, and payment message field requirements
  • Experience in governance, project management, and leading major initiatives involving multiple stakeholders
  • Availability to work 3 days in person on Morumbi/SP
  • An eye for identifying process improvement and scalability opportunities and an ability to proactively share feedback and ideas with management & team to help drive change
  • Skilled in prioritization, possess sound judgment and flexibility in changing courses and decisive in determining a holistic approach on key priorities
  • Detail oriented and organised with an analytical and critical mindset
  • A self-starter and have the ability to thrive in a fast paced environment with minimal supervision
  • Solid communication and stakeholder management skills, specifically you will be able to collaborate with a variety of internal and external stakeholders and merchants from varying disciplines and cultures.

Nice to have

Spanish is a plus

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