High Risk Trader Onboarding Analyst

Topstep

3d•$29 - $38

About The Position

The High Risk Trader Onboarding Analyst is an operational investigator on the Onboarding & Identity Operations team. The role reviews elevated-risk Identity Verification (IDV) exceptions, performs Enhanced Due Diligence (EDD), and conducts financial crime screenings across global trader accounts. It serves as an operational intake point for elevated-risk profiles, investigating Tier-2 escalations that exceed standard verification logic, including suspected synthetic identities, document tampering, tax discrepancies, and potential sanctions hits. The analyst clears routine screening alerts, prepares structured case packages for Enforcement review, and escalates novel fraud vectors or complex corporate entities to Senior High Risk Analysts. The role works within established operating frameworks and investigative templates, maintaining audit-ready case records and supporting improvements to EDD workflows. The working environment ranges from fully remote to hybrid.

Requirements

1–3 years of direct operational experience in AML/KYC, EDD, financial crime investigations, or fraud operations within fintech, digital brokerage, or a regulated financial institution.
Working knowledge of identity verification platforms such as Persona, Jumio, Veriff, or Onfido, and screening databases such as LexisNexis, World-Check, or ComplyAdvantage.
Strong written communication skills and a track record of authoring concise, objective, and defensible case narratives.
Operational discipline and sound judgment to evaluate qualitative risk signals within structured SOPs and determine when and how to escalate edge cases.
Acute visual and analytical attention to detail to identify document alteration, metadata inconsistencies, and synthetic identity markers.
Ability to independently manage high-priority investigation queues and collaborate asynchronously with remote compliance, legal, and operational teams.
Strong written and verbal communication skills, including the ability to document case notes accurately and clearly summarize issues for escalation.

Responsibilities

Review and disposition Tier-2 identity verification escalations referred by front-line onboarding analysts.
Investigate flagged accounts for synthetic identity indicators, digital document manipulation, device or IP anomalies, and unverified registration data using established risk rubrics.
Conduct structured EDD investigations on elevated-risk traders and collect, review, and evaluate baseline financial documentation to verify identity legitimacy and account eligibility.
Compile clear, evidence-based case files summarizing identity telemetry, document discrepancies, and risk rationales.
Submit structured findings to Senior Analysts, Compliance, and Enforcement teams for decisions about account restrictions, suspensions, or closure.
Identify high-complexity scenarios, including organized multi-account fraud rings, layered entity structures, and emerging attack vectors, and escalate them with preliminary findings to the Senior High Risk Trader Onboarding Analyst.
Maintain precise, audit-ready case notes and rationale logs in internal case management systems for QA benchmarks and internal compliance audits.
Identify recurring friction points, false-positive trends, and operational bottlenecks in EDD workflows, and provide actionable data to Senior Analysts to refine templates and SOPs.