Enhanced Due Diligence Investigations Analyst

Gusto•San Francisco, NY

1d•Hybrid

About The Position

Gusto is seeking a Senior Enhanced Due Diligence (EDD) Investigations Analyst to support our Financial Crime Compliance (FCC) program. This is an individual contributor role within the EDD Investigations team, focused on conducting the most complex due diligence reviews to identify, assess, and mitigate regulatory, financial crime, and reputational risk. In this role, you will independently perform in-depth EDD investigations for the highest-risk customers and most complex entity structures, using a combination of human judgment, open-source intelligence, and AI-enabled tools. You will provide specialized risk analysis to internal partners and make well-supported recommendations on onboarding, monitoring, and exit decisions, balancing regulatory obligations and customer experience. EDD at Gusto presents unique and intellectually engaging challenges. Our platform supports hundreds of thousands of small businesses across diverse industries, ownership structures, and geographies, which means no two investigations look exactly alike. From onboarding through ongoing monitoring, you’ll work through nuanced risk profiles and layered entity structures that require rigor, sound judgment, and adaptability. This role is ideal for someone who can balance a high volume of reviews with deep, independent investigative work on complex matters, and who uses AI as a core part of how they work to improve both efficiency and quality. The Enhanced Due Diligence Investigations team conducts thorough reviews of higher-risk customers and activities, from the point of onboarding through ongoing monitoring. The team performs Know Your Customer (KYC) reviews to verify that new customers are legitimate businesses, and evaluates ownership and control structures, source of wealth and funds, adverse media, sanctions exposure, and other risk indicators to ensure Gusto meets regulatory expectations and maintains platform integrity.

Requirements

5+ years of experience conducting enhanced due diligence, AML investigations, KYC, customer due diligence, or similarly deep investigative or research-driven work
Strong investigative writing skills with the ability to independently summarize highly complex fact patterns and risk assessments
Excellent research and analytical skills, including comfort working with large volumes of information
Extensive experience conducting open-source research and adverse media analysis
Deep familiarity with regulatory expectations related to EDD, SAR reporting, and customer due diligence
Ability to apply sound, independent judgment in ambiguous or higher-risk scenarios
Strong organizational skills and attention to detail, comfortable managing multiple complex cases simultaneously
Experience using AI-enabled tools as part of day-to-day investigative workflows, including refining prompts and validating outputs
Collaborative mindset and ability to work effectively with cross-functional teams
Experience mentoring or providing structured feedback to junior investigators

Nice To Haves

CAMS or other relevant compliance certifications strongly preferred

Responsibilities

Independently conduct enhanced due diligence reviews for the highest-risk customers in accordance with internal procedures and regulatory expectations, including periodic and event-driven reviews
Perform in-depth open-source research and documentation analysis to assess adverse media, sanctions and PEP exposure, industry and geographic risk, source of funds and wealth, and beneficial ownership and control structures
Evaluate the most complex or multi-layered entities, synthesize findings into clear investigative summaries, and draft Suspicious Activity Reports (SARs) when appropriate
Investigate and independently resolve EDD-related alerts involving sanctions exposure, adverse media, PEPs, marijuana-related businesses, or other elevated risk indicators, making sound, risk-based recommendations and escalating to EDD leadership where guidance is needed to resolve an issue
Independently perform KYC reviews during customer onboarding, verifying business legitimacy, identity, and beneficial ownership, and resolving complex or escalated cases, including those with opaque ownership structures, high-risk indicators, or conflicting information, with minimal guidance
Leverage AI-enabled tools to accelerate issue spotting, alert triage, research, and documentation, providing clear context and constraints through prompt refinement while maintaining human judgment and accountability
Critically review and edit AI-generated research or summaries to ensure accuracy, completeness, and regulatory soundness, applying Gusto's AI policies and data protection standards when handling sensitive information
Identify opportunities to improve investigative workflows, contribute to EDD desktop guides and training materials, and surface insights on emerging trends to support continuous program improvement
Mentor junior analysts on open-source research, beneficial ownership analysis, and risk documentation through case reviews and structured feedback