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Salary: USD 89,165 - 136,456 / annual
Gusto is seeking a Senior Enhanced Due Diligence (EDD) Investigations Analyst to support its Financial Crime Compliance (FCC) program. This is an individual contributor role within the EDD Investigations team, focused on conducting complex due diligence reviews to identify, assess, and mitigate regulatory, financial crime, and reputational risk.
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.
Day-to-day responsibilities include:
- Independently conduct enhanced due diligence reviews for high-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 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, and resolving complex or escalated cases with minimal guidance
- Leverage AI-enabled tools to accelerate issue spotting, alert triage, research, and documentation, providing clear context 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
- 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 through case reviews and structured feedback
Gusto supports more than 500,000 small businesses nationwide and handles payroll, health insurance, 401(k)s, and HR services. The EDD Investigations team conducts thorough reviews of higher-risk customers and activities from onboarding through ongoing monitoring, performing Know Your Customer (KYC) reviews and evaluating ownership structures, source of wealth, adverse media, and sanctions exposure.
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
- CAMS or other relevant compliance certifications strongly preferred
