Card Scheme Team Lead

Team Lead Credit Risk - EMEA

Adyen

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. TEAM LEAD CREDIT RISK EMEA (BASED IN AMSTERDAM) As the Credit Risk Team Lead for EMEA, you will lead an Amsterdam-based team of high-performing risk professionals. You will primarily manage merchant acquiring and chargeback risk across a diverse portfolio of global enterprise brands. Your core mission is protecting Adyen from portfolio losses due to chargeback exposure, merchant insolvency, and systemic operational fraud. In this role, you will coach and guide the team, ensure the delivery of high-quality risk assessments, and collaborate closely with our regional risk hubs in Chicago and Singapore. You will partner with Commercial, Product, and Legal colleagues to balance business growth with sharp, proactive risk management. WHAT YOU’LL DO * People Leadership: Lead, mentor, and scale the Amsterdam-based risk team. Support professional growth through regular coaching, goal-setting, and playing a key role in recruiting top-tier risk talent. * Risk Mitigation: Oversee the monitoring and mitigation of credit, acquiring, and chargeback risks across a growing EMEA merchant portfolio, ensuring exposures remain within Adyen’s risk appetite. * Stakeholder Collaboration: Engage with internal stakeholders (Commercial, Legal, Product) to align on risk decisions, optimize merchant onboarding, and support product developments. * Process Optimization: Drive the design and execution of scalable, data-driven credit risk practices and automated workflows to enhance team efficiency. * Escalation Management: Serve as the senior regional escalation point for complex risk cases, high-exposure chargeback reviews, and sudden merchant performance shifts. * Performance & Culture: Set clear objectives, track team performance, and report key risk metrics to Senior Leadership while fully embodying the Adyen Formula. WHO YOU ARE * Experienced Leader: You bring a minimum of 2 years of direct people leadership experience, specifically leading risk or operations teams within the payments or banking sectors. * Domain Expert: You possess a strong background in merchant acquiring risk, chargeback management, and card scheme rules (Visa, Mastercard, etc.), with a proven track record of managing enterprise-level portfolios. * Strategic & Analytical: You love diving into data to spot trends, but you can also zoom out to build scalable credit risk processes that don’t bottleneck commercial growth. * Cross-Functional Collaborator: You are comfortable working alongside product, engineering, and legal teams to improve risk monitoring tools and workflows. * Strong Communicator: You are a clear, direct communicator capable of navigating high-stakes conversations with enterprise merchants, card networks, and internal senior executives. * Adaptable: You thrive in an international, rapidly changing, and low-ego environment. * Location: You are currently based in, or are willing to relocate to, Amsterdam. ADDITIONAL INFORMATION * Travel: Occasional international travel may be required to collaborate with global team members in our Chicago and Singapore offices. 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. This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Onboarding Risk Manager

Paddle

WHAT DO WE DO? Paddle offers digital product companies a completely different approach to their payment infrastructure. Instead of assembling and maintaining a complex stack of payments-related apps and services, we’re a Merchant of Record for our customers. That means we take away 100% of the pain of payment fragmentation. It’s faster, safer, cheaper, and, above all, way better. We’re backed by investors including KKR, FTV Capital, Kindred, Notion, and 83North and serve over 6000 software sellers in 245 territories globally. THE ROLE: We are looking for a highly motivated self-starter who will bring with them a solid background in leadership, process optimisation and onboarding risk management in a fast-paced, ever-changing environment. You will manage our Onboarding Risk team, with analysts and leads across 3 different regions (NA, UK/EU, APAC). The Onboarding Risk team is the first line of defence for identifying fraud and payment-related risks during account onboarding. As the Onboarding Risk Manager, you will report to and support the Head of Risk & Compliance to identify and drive improvements to ensure our risk processes are holistic, compliant, and of exceptional standards. Your key responsibilities will be: * Lead the day-to-day operations of the Onboarding Risk team, ensuring consistent, high-quality risk decisions and throughput * Manage, coach, and develop team members and team leads; set clear goals, feedback rhythms, and performance standards * Provide expert support on complex or high-risk applications, including escalations and judgement-based decision-making * Own onboarding risk procedures: document, maintain, and continuously improve processes, controls, and playbooks * Build strong relationships across Risk and with key internal and external stakeholders to enable effective decisioning and smooth execution * Oversee and strengthen onboarding risk management, ensuring policies and controls are applied effectively and proportionately In addition to your key day-to-day responsibilities you will also collaborate with the Legal, Support and Product teams in projects to help improve the Risk & Compliance function at Paddle. You will also have the opportunity to assist with recommendations or decisions on company risk-related matters with the Head of Risk & Compliance. Previous experience in line management is required as you will work to support the growth and development of the teams. Knowledge of scheme rules and legislation around acquiring would be beneficial as well as any prior experience building/updating risk related processes. This role is ideally based in the UK, but we are willing to consider applications +/- 1 GMT. WHAT YOU'LL DO: * Line manage the Onboarding Risk function across all regions, aligning priorities, coverage, and decision standards * Act as a subject-matter expert for onboarding processes (KYB, KYC, Screening, Final Reviews), risk assessment, and decisioning frameworks * Partner closely with leaders and peers beyond your immediate domain (Sales, Customer Support, Operations, and Engineering) to ensure onboarding delivers both strong risk outcomes and an excellent customer experience * Manage and influence key cross-functional relationships to unblock decisions, resolve issues, and drive process improvements * Develop, implement, and maintain onboarding processes and procedures—documenting internally and externally where needed * Demonstrate broad knowledge of cross-functional dependencies, aligning processes to optimise outcomes for the Onboarding Risk queues. * Handle complex escalations, make sound judgement calls (including with incomplete information), and ensure decisions are well-reasoned and appropriately recorded * Communicate clearly and concisely with stakeholders at all levels, including translating risk decisions into customer-appropriate narratives where required * Provide expertise on Card Scheme rules and relevant global payments legislation, and ensure processes reflect evolving requirements * Evolve the KPI structure in collaboration with the Head of Risk & Compliance, ensuring the team meets their goals while fostering a supportive and inclusive environment. WE'D LOVE TO HEAR FROM YOU IF: * You have 4+ years experience in Onboarding or Credit Risk spaces * You have 2+ years experience working in Merchant Acquiring, E-Commerce, or a similar role at a FinTech * You have 3+ years experience in team management * You are comfortable working with teams in multiple time zones * You have a positive attitude and enjoy supporting and nurturing others * You bring solutions to the table and you aren’t afraid to point out where we’re going wrong * You have excellent communication skills, and are a fluent English speaker/writer * You love reading and learning about new ways of doing things. There’s always a better way * You’re comfortable with a little chaos and uncertainty. We move fast and sometimes decisions are made quickly and without all of the information * You have experience and understanding of scheme requirements (desired, but not required) * You’re comfortable with using Artificial Intelligence in everyday processes Everyone is welcome at Paddle At Paddle, we’re committed to removing invisible barriers, both for our customers and within our own teams. We recognise and celebrate that every Paddler is unique and we welcome every individual perspective. As an inclusive employer we don’t care if, or where, you studied, what you look like or where you’re from. We’re more interested in your craft, curiosity, passion for learning and what you’ll add to our culture. We encourage you to apply even if you don’t match every part of the job ad, especially if you’re part of an underrepresented group. Please let us know if there’s anything we can do to better support you through the application process and in the workplace. We will do everything we can to support any accommodations needed. We’re committed to building a diverse team where everyone feels safe to be their authentic self. Let’s grow together. Our Values * Paddle Together - “None of us, is as smart as all of us” * Paddle Simply - “Simple can be harder than complex: you have to get your thinking clean to make it simple” * Paddle for others - “We can realise our wildest dreams, so long as we help enough other people to realise theirs”   Why you’ll love working at Paddle We are a diverse, growing group of Paddlers across the globe who pride ourselves on our transparent, collaborative and respectful culture. We are a ‘digital-first’ company, which means you can work remotely, from one of our stylish hubs, or even a bit of both! We offer all team members generous holiday leave and 4 months paid family leave regardless of gender. We invest in learning and will help you with your personal development via constant exposure to new challenges, an annual learning fund, and regular internal and external training.

Chargeback Specialist

Teya

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you The role As a Chargeback Specialist, you'll take the front line in the fight to win back merchants' money owning acquiring chargebacks end to end across every card scheme (Visa, Mastercard, American Express, and the smaller schemes such as JCB, Diners and UnionPay). You'll size up incoming disputes, decide how hard to fight and how, build the evidence that wins them, and drive cases through the full lifecycle from first chargeback to pre-arbitration and arbitration. Every case you win is real money back in a merchant's pocket. It's a role that sits right at the intersection of operations, fraud, and merchant experience — and you won't be a cog in a machine. As one of a small, fast-growing team, you'll have genuine ownership of your cases and a front-row seat to the impact: losses cut, money recovered, merchants made whole. What you'll do * Review incoming chargebacks, classify them by reason code, and determine the right course of action dispute, partially accept, or accept within scheme deadlines. * Build and submit dispute packages in the scheme portals, assembling merchant evidence (receipts, delivery confirmation, terms and conditions, communication logs) into clear, rules-based arguments. * Manage cases through the full dispute lifecycle: first chargeback, second presentment, pre-arbitration and arbitration, keeping case statuses accurate throughout. * Work merchant responses that come through the ticketing queue, requesting further information where evidence is insufficient and keeping merchants informed of progress and outcomes. * Identify and action one-sided dispute cases that can be challenged without merchant input (for example, transactions already refunded, time-barred chargebacks, or disputes against terminated fraud merchants) — to recover funds and reduce Teya's losses. * Use data tooling surface chargebacks worth challenging, monitor case volumes, and catch gaps such as missing notifications. * Spot patterns in why merchants receive chargebacks and feed insights back to merchants and internal teams to help prevent them. * Contribute to monthly management information: cases worked, disputes won and lost, amounts recovered, and chargeback ratios. * Work closely with Customer Relations, Fraud, Risk and Engineering on escalations, process improvements, and the push to revolutionise the chargeback process for smarter tooling, better solutions, and AI agents that take the grind out of disputes. What you'll bring * Experience in chargebacks, disputes, payments operations, fraud, or a closely related role at a payments company, acquirer, PSP, or financial institution. * A working understanding of how card schemes operate reason codes, dispute timeframes, and the difference between fraud, consumer-dispute and processing-error chargebacks (or the appetite and aptitude to learn this quickly). * Strong analytical judgement: you can read a case, weigh the evidence against the rules, and decide whether it's worth challenging. * Comfort working with data, reading dashboards and reports, and ideally writing or adapting basic SQL queries to pull case information. * Excellent written communication in English; you can explain a dispute clearly to a merchant and document a case cleanly for the schemes. * Organisation and self-direction, chargebacks run on tight, scheme-set deadlines, and you'll manage a queue of cases at different stages at once. * A merchant-first mindset balanced with a clear understanding of Teya's commercial and fraud-loss exposure. Nice to have * Direct experience with Visa, Mastercard or AMEX dispute portals and chargeback management. * Additional European languages (our merchants are spread across several markets). * Exposure to fraud operations, scheme monitoring programmes (e.g. Visa VAMP, Mastercard MATCH), or APP fraud / consumer-protection processes. Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.