Enhanced Due Diligence Investigations Analyst

Gusto; Denver (CO, CA); Hybrid; USD 89,000 - 136,000; Full time

Benefits offered by this job

Equity

Performance bonuses

Office in Denver

Job summary

Gusto in Denver is seeking a Senior EDD Investigations Analyst to lead complex due diligence reviews for high-risk customers. You will perform in-depth open-source research, assess adverse media and sanctions exposure, and draft risk summaries for regulatory reporting.

You will use AI-enabled tools to speed investigations while ensuring accuracy and regulatory soundness, mentoring junior analysts and collaborating with cross-functional teams.

Qualifications

• 5+ years of experience in enhanced due diligence or AML investigations.
• Excellent investigative writing and ability to summarize complex risk patterns.
• Strong research skills with high-volume information handling.

Responsibilities

• Independently conduct EDD reviews for high-risk customers per procedures.
• Perform deep open-source research on adverse media, sanctions, PEP exposure.
• Draft SARs and summarize findings for internal partners with regulatory alignment.
• Investigate EDD alerts and resolve issues with guidance from leadership.
• Conduct KYC reviews during onboarding for complex ownership structures.
• Leverage AI tools to accelerate research while maintaining human judgment.
• Review AI-generated research for accuracy and compliance.
• Suggest improvements to EDD workflows and contribute to training materials.
• Mentor junior analysts in research and documentation.

Skills

AML investigations

Open-source research

Analytical writing

Regulatory knowledge

AI tooling

Mentoring

Compliance certifications

Education

CAMS or compliance certification

Tools

AI-enabled tools

Job description

About the company

At the company, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve.

All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build the company should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy.

AI is a fundamental part of how work gets done at the company. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process.

About the Role:

the company is seeking a Senior Enhanced Due Diligence (EDD) Investigations Analyst to support our Financial Crime Compliance (FCC) program. This is an individual contributor role within the EDD Investigations team, focused on conducting the most complex due diligence reviews to identify, assess, and mitigate regulatory, financial crime, and reputational risk.

In this role, 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.

EDD at the company presents unique and intellectually engaging challenges. Our platform supports hundreds of thousands of small businesses across diverse industries, ownership structures, and geographies, which means no two investigations look exactly alike. From onboarding through ongoing monitoring, you’ll work through nuanced risk profiles and layered entity structures that require rigor, sound judgment, and adaptability. This role is ideal for someone who can balance a high volume of reviews with deep, independent investigative work on complex matters, and who uses AI as a core part of how they work to improve both efficiency and quality.

About the Team:

The Enhanced Due Diligence Investigations team conducts thorough reviews of higher-risk customers and activities, from the point of onboarding through ongoing monitoring. The team performs Know Your Customer (KYC) reviews to verify that new customers are legitimate businesses, and evaluates ownership and control structures, source of wealth and funds, adverse media, sanctions exposure, and other risk indicators to ensure the company meets regulatory expectations and maintains platform integrity.

Here’s what you’ll do day-to-day:

• 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, making sound, risk-based recommendations and escalating to EDD leadership where guidance is needed to resolve an issue

• Independently perform KYC reviews during customer onboarding, verifying business legitimacy, identity, and beneficial ownership, and resolving complex or escalated cases, including those with opaque ownership structures, high-risk indicators, or conflicting information, with minimal guidance

• Leverage AI-enabled tools to accelerate issue spotting, alert triage, research, and documentation, providing clear context and constraints 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, applying the company's AI policies and data protection standards when handling sensitive information

• Identify opportunities to improve investigative workflows, contribute to EDD desktop guides and training materials, and surface insights on emerging trends to support continuous program improvement

• Mentor junior analysts on open-source research, beneficial ownership analysis, and risk documentation through case reviews and structured feedback

Here’s what we're looking for:

• 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

Our cash compensation amount for this role is between $89,165/yr - $112,942/yr in Denver and $110,640/yr -$136,456/yr for New York/San Francisco. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above. Compensation for this position also includes an equity package and performance bonuses.

At the company, we don't use titles the traditional way, as a signal of rank or hierarchy. Instead, our titles describe two things at once — your craft (what you do, e.g. Engineering, Design) and your scope of ownership (what you’re accountable for) — which is why you'll see something like "Head of X" instead of a rank word like "Director" that tells you neither. Because of this, the title on this posting may look different from what you'd expect based on the scope and seniority of the role, and from how similar roles are typically titled elsewhere. If you have questions about how this role compares to your current title or level, your recruiter can help translate.

the company has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, the company's subsidiary,