Merchant KYB Analyst

Remotedxb; Dubai; On-site; AED 250,000 - 400,000; Full time

Job summary

Breeze is a Sequoia Capital-backed startup building a universal payment layer to unify fiat and crypto currencies, allowing businesses and consumers to transact seamlessly.

We are seeking an experienced KYB/KYC specialist to conduct end-to-end reviews, verify ownership structures, perform sanctions checks, and prepare case documentation for underwriting and compliance teams. You will influence onboarding quality for fintech partners in a regulated environment.

Qualifications

• 5+ years of experience in KYB, KYC, AML, merchant onboarding, or financial crime.
• Experience in fintech, payment processor, PSP, or regulated financial services.
• Strong experience in business verification, UBO validation, and sanctions screening.
• Excellent investigative and research skills using corporate registries and open-source intelligence.
• Ability to review corporate filings, legal documents, and financial records.
• Strong understanding of merchant risk and payment flows.
• Experience with high-risk merchant categories (gaming, digital goods, etc.) is a plus.

Responsibilities

• Conduct end-to-end KYB reviews for prospective merchants, ensuring onboarding documentation is complete, accurate, and compliant.
• Review and verify business registration documents, Articles of Incorporation, EIN, Tax ID, and proof of address.
• Identify and verify Ultimate Beneficial Owners (UBOs), including ownership structures, sanctions screening, and PEP checks.
• Perform adverse media, reputation, and open-source investigations across businesses and key personnel.
• Evaluate merchant business models to identify indicators of payment facilitation or prohibited activities.
• Review chargeback history, prior processor relationships, and fraud indicators.
• Prepare thorough case documentation and lift complex findings to Underwriting, Compliance, or Legal teams.
• Prepare and maintain monthly merchant reporting for partners including Worldpay and PPRO.

Skills

KYB/KYC

AML

Merchant onboarding

Fintech risk

Tools

Persona

G2 Risk Solutions

Job description

Responsibilities

• Conduct end-to-end KYB reviews for prospective merchants, ensuring all onboarding documentation is complete, accurate, and compliant
• Review and verify business registration documents, Articles of Incorporation, EIN, Tax ID, and proof of address
• Identify and verify Ultimate Beneficial Owners (UBOs), including ownership structures, sanctions screening, and PEP checks
• Perform adverse media, reputation, and open-source investigations across businesses and key personnel
• Evaluate merchant business models to identify indicators of payment facilitation or prohibited activities
• Review chargeback history, prior processor relationships, and fraud indicators
• Prepare thorough case documentation and lift complex findings to Underwriting, Compliance, or Legal teams
• Prepare and maintain monthly merchant reporting for partners including Worldpay and PPRO

Requirements

• 5+ years of experience in KYB, KYC, AML, merchant onboarding, or financial crime
• Experience in fintech, payment processor, PSP, or regulated financial services
• Strong experience in business verification, UBO validation, and sanctions screening
• Excellent investigative and research skills using corporate registries and open-source intelligence
• Ability to review corporate filings, legal documents, and financial records
• Strong understanding of merchant risk and payment flows
• Experience with high-risk merchant categories (gaming, digital goods, etc.) is a plus
• Familiarity with Visa/Mastercard onboarding and MCC classifications is a plus
• Experience with Persona or G2 Risk Solutions is a plus

About the Company

Breeze is a Sequoia Capital-backed startup building a universal payment layer to unify fiat and crypto currencies, allowing businesses and consumers to transact seamlessly.