Credit Risk Operations Associate (CDMX)

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. Why you should join the Regulatory team Adyen’s Regulatory function plays a strategic role in the acquisition and management of Adyen’s permissions and licenses required to support Adyen’s commercial ambitions. As a financial technology platform operating in a highly regulated environment, Adyen is subject to ever changing laws, regulations and standards. Adyen’s Regulatory team is tasked with the interpretation and analysis of complex payment regulatory challenges, identification and mitigation of integrity risks as well as engaging with strategic internal and external stakeholders (including regulators and senior executives).  Our business challenges are unique and we welcome different perspectives in solving them - voices like yours could make a difference. Regulatory Counsel  Our dynamic LATAM Regulatory team is looking for a Regulatory Counsel who has experience with the payments, financial service or fintech industry in Mexico. This position will report to the Head of Regulatory LATAM and will be based in Mexico City. In this role, you will enable Adyen to create unique business opportunities while you will work alongside our product teams to assist them with the launch of new payment products, as well as further enhancing existing product offerings.  You will also work closely together with the legal, compliance, risk and commercial teams around the world. You will be part of a group of people always looking for opportunities to innovate and challenge the status quo. You’re familiar with the regulatory landscape covering payment services, are able to understand the regulatory and legal challenges and find pragmatic solutions, in line with commercial and strategic objectives, which allow for scale.  What you’ll do * Provide strategic regulatory advice associated with payments laws and regulations, including payment institution licensing, e-money, digital wallets, payment schemes (credit and debit cards), acquiring services, open finance, etc; * Collaborate with the products team to understand the commercial and technical needs for the envisioned product proposition, and work on cross-functional projects and teams such as Product, Legal, Compliance, Risk, and Audit, to develop, enhance and implement business and regulatory initiatives in line with Adyen’s ambitious objectives which allow for scale; * Lead regulatory engagements (both internally and externally) including managing relationships with regulators and auditors, and managing inspections and reports to the regulator; * Anticipate and identify key emerging regulatory obligations and integrity risks, and ensure these are addressed in a practical and scalable way; * Translate identified obligations into relevant Policies and Procedures to be communicated and implemented across the global business; * Represent regulatory on a variety of workstreams and products to establish regulatory strategies that align with global objectives and ensure controlled and compliant growth. Who you are * You have 5+ years experience in a regulatory and previous interactions with the regulators, and/or legal function focused on payments, financial services and/or fintech industry either as in-house or in a top-tier law firm; * You are knowledgeable in the Mexican payments, financial services and/or fintech industry; * You have a strong sense of initiative, independence and ability to take ownership enabling you to contribute to a fast-growing business; * You are an analytical and critical thinker who finds creative solutions for complex regulatory challenges enabling business opportunities while staying in control; * You have strong interpersonal and communication skills as well as experience in managing relationship with internal stakeholders and/or the relationship with regulators or supervisors; * Must be a licensed attorney, preferably certified by the CNBV in AML/CFT. * Fluent in Spanish and English, both written and spoken. 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 Mexico City office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The Risk Operations team is looking for an experienced Credit Operations Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe’s credit risk. Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk.  Billions of dollars are processed by Stripe each year and the Credit Operations team works to ensure that exposure is minimized while facilitating company growth. We are looking for someone passionate about commercial credit, the payments ecosystem, and has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing processes at scale. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management and more. The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates for the role will have a minimum of four years experience in credit operations within the payments, fintech, or financial service spaces.  WHAT YOU’LL DO RESPONSIBILITIES * Work with merchants from successful venture-backed startups to well established institutions * Complete in-depth credit reviews on merchants throughout their life cycle to identify credit concerns. * Investigate and action/triage escalations across multiple channels while providing accurate and timely responses * Own various operational processes that the team performs such as credit reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation * Identify risk factors & trends and further report said trends to the wider risk team  * Utilize analytics to optimize strategies which can be enforced across the portfolio  * Maintain regular communication with cross-functional stakeholders * Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements * Lead team work streams related to credit decisioning & accuracy, providing updates in team and org wide business reviews. WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 4+ years relevant experience with a solid understanding of general commercial credit principals. * 1+ years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders. * Experience using data to propose creative solutions to both tactical and strategic problems * Creativity, a team-focused mentality, and effective problem solving skills * The ability and desire to question the status quo * The ability to approach challenges from a user perspective while being pragmatic and solutions oriented * Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them PREFERRED QUALIFICATIONS  * Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows * Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

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.