Merchant KYB Analyst

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Merchant KYB Analyst based in the United States.

This role offers the opportunity to play a critical part in protecting a fast-growing fintech platform and its customers. You will lead detailed KYB investigations to assess merchants before they begin processing payments. The position combines business verification, financial crime investigation, sanctions screening, and reputational risk analysis. You’ll work closely with Compliance, Underwriting, Risk, Operations, and Legal teams to make informed onboarding decisions. Your research and judgment will help balance strong risk controls with a fast, seamless merchant experience. You’ll also contribute to improving KYB workflows and scalable compliance processes as the business grows. This is an ideal opportunity for an investigative, detail-oriented professional who enjoys solving complex problems in fintech and payments.

Accountabilities: Conduct end-to-end KYB reviews for prospective merchants, verifying onboarding documentation, business information, ownership structures, and corporate records.

Validate business registration documents, Articles of Incorporation, EIN and Tax ID documentation, proof of address, and other relevant materials.

Identify and verify Ultimate Beneficial Owners and conduct sanctions, OFAC, EU and UN watchlist, and Politically Exposed Person screenings.

Perform adverse media, reputational, and open-source investigations into businesses, founders, and key personnel using public records, corporate registries, third-party intelligence, and other reliable sources.

Review customer sentiment and public discussions across platforms such as Trustpilot, BBB, Reddit, Discord, and X to identify additional operational or reputational risks.

Assess merchant business models for payment facilitation, nested merchants, undisclosed third-party fund movement, prohibited activities, and other risk indicators.

Analyze chargeback history, previous processor relationships, fraud indicators, and applicable card-network monitoring programs.

Cross-reference findings against G2 Risk Solutions and other third-party intelligence platforms, investigating discrepancies and documenting conclusions.

Prepare detailed case documentation and escalate complex or high-risk cases to Compliance, Underwriting, or Legal teams.

Produce and maintain monthly merchant reporting for external payment partners.

Identify opportunities to improve KYB workflows, documentation standards, case management, and operational processes as the organization scales.

Requirements

5+ years of experience in KYB, KYC, AML, merchant onboarding, payments compliance, fraud investigations, financial crime, or a closely related field.

Experience within 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 investigations, and enhanced due diligence.

Excellent investigative and research capabilities, including experience working with corporate registries, public records, open-source intelligence, and third-party data sources.

Ability to analyze corporate filings, legal documents, bank statements, business websites, and financial records while identifying inconsistencies and risk signals.

Strong understanding of merchant risk, payment flows, digital commerce, and common fraud typologies across card payments.

Sound judgment when working with incomplete information, including the ability to assess uncertainty and escalate complex findings appropriately.

Exceptional attention to detail, strong written documentation skills, and disciplined case management practices.

Excellent communication skills and the ability to clearly present investigative findings and recommendations to cross-functional stakeholders.

Experience with higher-risk merchant categories such as gaming, sweepstakes, digital goods, subscriptions, marketplaces, or similar industries is a strong advantage.

Familiarity with Visa and Mastercard merchant onboarding requirements, MCC classifications, and chargeback monitoring programs is preferred.

Experience with KYB platforms such as Persona and risk intelligence tools such as G2 Risk Solutions is a plus.

Experience in a startup or high-growth fintech environment is highly preferred.

A curious, proactive, collaborative mindset with a strong interest in continuous learning and process improvement.

Benefits

Competitive salary and equity package.

21 days of paid time off.

Flexible benefits, including an annual medical allowance.

Productivity allowance to support an effective work environment.

Gym membership or wellness subsidy.

Annual company retreat.

Opportunity to contribute to the development of scalable merchant onboarding, risk, and compliance operations.

Exposure to innovative work across fintech, payments, and digital assets.

Collaborative, transparent, and fast-paced environment with opportunities to take ownership and improve processes.

Opportunity to work on complex challenges within a rapidly growing global payments business.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1