Card Scheme Analyst

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. Card Scheme Compliance Analyst 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. What you’ll do: 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 Who you are Previous experience in payment industries, with scheme rules, such as Acquirers, Fintechs or Card Network Company is required You have a fluent level of Portuguese and English, both written and spoken. Spanish is a plus Minimum of 1 year 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 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 You are detail oriented and organised with an an analytical and critical mindset You are 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. 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 São Paulo office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.