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Commas is a full-stack growth platform for digital businesses, offering payments, checkout funnels, community, courses, affiliate systems, analytics, and more. The company is one of the fastest-growing future-of-work companies in Miami, processing billions in volume through its platform.
The Risk Onboarding Specialist role sits at the intersection of KYC/KYB, underwriting, and seller support. You will review prospective sellers during onboarding to ensure they are not high-risk and that compliance standards are met. You'll communicate directly with sellers to request documents and clarify discrepancies in their applications, and make recommendations on whether to approve, escalate, or decline accounts based on criteria set by Risk and Compliance.
Key responsibilities include:
**Underwriting:** Collect KYC/KYB and supporting documentation to conduct comprehensive due diligence and verify accuracy of information. Analyze financial statements, reports, tax returns, and other relevant data to assess financial risk. Identify and document higher-risk cases and escalate appropriately. Set precedents to predict account behavior and assign risk scores per internal playbooks. Perform first-pass screening on seller alerts (OFAC, PEP, Adverse Media, etc.). Prepare clear underwriting summaries with quantitative and qualitative insights.
**Seller Onboarding & Communication:** Communicate with sellers in writing using proper, friendly, and professional tone. Guide sellers through ID and biometric verification flows and submission of acceptable business and banking documentation. Explain document requirements clearly and answer questions about applications. Maintain productivity and turnaround times aligned with department goals.
You will work closely with Risk and Compliance, Operations, Collections, and Leadership to keep the company within regulatory, banking-partner, and card-network expectations while maintaining a positive experience for creators.
Commas emphasizes in-person culture (5 days per week in office), fast-paced execution, and a high-performance environment. The company is built for builders and expects people to rise to ambitious standards.
**Requirements:**
- 1–3+ years of experience in risk, underwriting, compliance, trust & safety, payments, fintech, or financial services operations (marketplace, payment processor, BNPL, banking, or similar)
- Experience reviewing and interpreting bank statements, identity documents, and legal documents
- High attention to detail and accuracy in financial analysis
- Proficiency in CRM systems, skip trace software, and Google Workspace
- Strong written communication skills: ability to write short, clear, professional messages that are firm but empathetic
- Comfort working with structured workflows, playbooks, and SLAs in a fast-paced, detail-oriented environment
- Ability to analyze edge cases and escalate thoughtfully when something falls outside standard rules
- Legal authorization to work in the United States (no visa sponsorship available)
**Nice to Have:**
- Certification or degree in Risk Management, Financial Risk, BSA/AML, Finance, or Criminal Justice
- Experience with creator platforms, digital goods, or marketplaces
- Familiarity with KYC/KYB vendors (e.g., Persona), lien/UCC search tools, or card-network risk programs
- Background handling international sellers (passport-only KYC, cross-border business and banking setups)
