Merchant KYB Analyst (Fintech)

Location: Remote

Company

A fast-growing fintech startup backed by Sequoia Capital, building a universal payment layer that connects fiat and crypto currencies for seamless business and consumer transactions.

What you will do

• Conduct complete KYB reviews and verify corporate, tax, address, banking, and other onboarding documentation.
• Identify and validate UBOs, ownership structures, sanctions exposure, OFAC, EU and UN watchlist matches, and PEP status.
• Perform adverse media, reputation, open-source, and customer sentiment investigations across public and third-party sources.
• Assess merchant business models, payment flows, chargeback history, processor relationships, fraud indicators, and prohibited activities.
• Document cases, resolve discrepancies across intelligence platforms, and escalate complex findings to Underwriting, Compliance, or Legal.
• Prepare monthly merchant reporting and improve KYB workflows, documentation standards, and operational processes.

Requirements

• 5+ years of experience in KYB, KYC, AML, merchant onboarding, payments compliance, fraud investigations, or financial crime.
• Experience in fintech, payment processing, PSP, Merchant of Record, acquiring banking, or another regulated financial services environment.
• Strong knowledge of business verification, UBO validation, sanctions screening, adverse media reviews, enhanced due diligence, and merchant risk.
• Experience researching corporate registries, public records, open-source intelligence, legal documents, bank statements, websites, and financial records.
• Excellent judgment, attention to detail, written documentation, case management, and communication skills.
• Understanding of card payment fraud typologies, payment flows, and digital commerce risk.

Nice to have

• Experience reviewing high-risk categories such as gaming, sweepstakes, digital goods, subscriptions, and marketplaces.
• Familiarity with Visa and Mastercard onboarding requirements, MCC classifications, and chargeback monitoring programs.
• Experience with Persona, G2 Risk Solutions, or similar KYB and risk intelligence platforms.
• Experience in a startup or high-growth fintech environment.

Culture & Benefits

• Fast-paced environment with a builder’s mindset and strong ownership expectations.
• Transparent collaboration across Compliance, Underwriting, Risk, Product, and Operations.
• Continuous learning at the intersection of fintech, payments, and digital assets.
• Competitive salary with an equity package.
• 21 days of paid time off, annual medical and productivity allowances, and gym or wellness subsidies.
• Annual company retreat and the opportunity to build foundational merchant compliance systems.