Enhanced Due Diligence Investigations Analyst

At Gusto, we're on a mission to grow the small business economy. We handle payroll, health insurance, 401(k)s, and HR. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide. All full-time employees receive competitive base pay, benefits, and equity (RSUs).

• 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.
• Independently perform KYC reviews during customer onboarding, verifying business legitimacy, identity, and beneficial ownership.
• Leverage AI-enabled tools to accelerate issue spotting, alert triage, research, and documentation.
• Critically review and edit AI-generated research or summaries to ensure accuracy, completeness, and regulatory soundness.
• Identify opportunities to improve investigative workflows and contribute to EDD desktop guides and training materials.
• Mentor junior analysts on open-source research, beneficial ownership analysis, and risk documentation.

• 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.

• Hybrid work model in Denver, CO; New York, NY; or San Francisco, CA.
• Competitive base pay, benefits, and equity (RSUs).
• AI is a fundamental part of how work gets done at Gusto.