Senior High Risk Trader Onboarding Analyst

Socket.dev; United States; Hybrid; USD 75,000 - 110,000; Full time

Benefits offered by this job

Remote/hybrid work

Paid holidays & family leave

Health insurance

401(k) matching

Job summary

Topstep is seeking a Senior Trader Onboarding Analyst to serve as a trusted identity risk SME within Trust & Resilience. You will evaluate complex risk signals, dispostion high-friction verifications, and ensure CIP compliance across global trader pathways.

You will act as a primary risk decision-maker on the IDV platform, handling multi-signal telemetry, biometric integrity, device/IP anomalies, and cross-border tax documentation.

Qualifications

• Experience in fintech compliance operations or identity risk management.
• Ability to analyze multi-signal risk indicators and make discretionary risk decisions.
• Familiarity with CIP/KYC, OFAC, tax docs (W-8/W-9).
• Strong written and verbal communication for documenting investigations.

Responsibilities

• Evaluate multi-variable risk signals within IDV platforms.
• Discretion to grant, restrict, or deny access for low-to-medium risk traders.
• Validate non-routine tax documentation and regulatory eligibility.
• Assess sanctions and PEP risk through background reviews.

Skills

Identity risk analysis

Independent judgment

Communication

Remote collaboration

Risk metrics analysis

Tools

Persona

Jumio

Veriff

Onfido

Job description

Summary:

The Senior Trader Onboarding Analyst is an operational identity risk subject matter expert within the Trust & Resilience organization, responsible for evaluating complex identity risk profiles, dispositioning high-friction verification exceptions, and enforcing Customer Identification Program (CIP) compliance across global trader pathways.

Operating as a primary risk decision-maker, this role manages the advanced multi-signal identity orchestration platform. You will analyze complex risk telemetry—including biometric integrity, synthetic identity indicators, device/IP anomalies, and multi-jurisdictional tax/legal documentation (W-8/W-9)—where automated logic is inconclusive and standard procedures do not apply. Exercising independent discretion, you will execute binding decisions on low-to-medium risk account eligibility, clear secondary Sanctions alerts, optimize automated Persona verification logic, and manage clean Tier-1 handoffs to your peer, the Senior High Risk Analyst, when elevated threats emerge.

Key Responsibilities

• Advanced Identity Risk Evaluation & Exception Analysis: Exercise independent judgment to analyze multi-variable risk signals within the IDV platform (e.g., biometric manipulation, liveness check failures, device telemetry, cross-border address discrepancies) where automated rules yield ambiguous results.
• Binding Risk Discretion & Account Authorization: Exercise independent authority to grant, conditionally restrict, or deny platform access for low-to-medium risk trader profiles. Evaluate qualitative risk factors against established risk tolerances to execute binding account dispositions without routine manager sign-off.
• Specialized CIP & Tax Compliance Governance: Analyze, interpret, and validate non-routine tax documentation (W-8BEN, W-8BEN-E, W-9) and multi-jurisdictional eligibility records. Determine regulatory compliance and tax residency validity prior to payout authorization.
• Secondary Sanctions & PEP Risk Assessment: Conduct analytical background reviews on secondary Sanctions, PEP, and OFAC screening alerts. Evaluate biographical and contextual data to differentiate benign false positives from genuine regulatory liabilities.
• Tier-1 Escalation & High-Risk Peer Handoff: Evaluate case complexity to identify high-risk indicators (e.g., suspected synthetic identity networks, adverse media, or complex corporate structures). Formulate structured investigative handoffs for Tier-2 escalation to the Senior High Risk Trader Onboarding Analyst.
• IDV Platform Logic & Workflow Optimization: Analyze IDV platform performance, rule efficacy, and false‑positive trends. Formulate data‑driven recommendations for the Manager and Product teams to adjust automated risk thresholds, auto‑pass criteria, and decision trees.
• Peer Consultation & Cross‑Functional Alignment: Serve as a technical subject matter expert for peers across operations and Customer Support, providing authoritative interpretation of onboarding SOPs, complex Persona workflows, and edge‑case risk scenarios.
• Audit Governance & Risk Rationale Documentation: Formulate and document clear investigative rationales for non‑standard case dispositions, establishing defensible risk precedents for internal QA audits and compliance reviews.

Required Qualifications and Key Competencies

• Experience: 2‑4 years of direct experience in fintech compliance operations, financial crime, identity risk management, or digital platform onboarding.
• Advanced IDV Competency: Hands‑on experience analyzing identity risk signals within modern orchestration platforms (like, Persona, Jumio, Veriff, or Onfido), moving beyond basic document checking to multi‑signal risk evaluation.
• Compliance & Regulatory Knowledge: In‑depth understanding of CIP/KYC frameworks, global identity document standards, OFAC/Sanctions screening protocols, and international tax documentation requirements (W-8/W-9).
• Exercise of Independent Discretion: Proven track record of exercising sound, independent analytical judgment when evaluating ambiguous risk scenarios where standard operating procedures are non‑routine or undefined.
• Process & Logic Analysis: Ability to evaluate operational metrics, identify systemic verification logic vulnerabilities, and formulate actionable workflow optimizations.
• Peer Collaboration & Clear Communication: Exceptional written and verbal communication skills, with a track record of authoring precise investigative summaries and collaborating effectively across remote teams.

Company Culture & Perks

• Topstep is an engaging working environment that ranges from fully remote to hybrid. We foster a culture of collaboration by keeping cameras on during meetings and maintaining a robust Slack environment for communication.
• Seven Company‑paid Holidays and generous Family Leave. Paid time off is front‑loaded.
• Competitive 401(k) matching, health, dental, and vision insurance are offered for full‑time employees.
• Vacations are encouraged with a bonus for taking 5 consecutive days. Topstep offers a food and groceries budget and contributes towards health and wellness.

New Hire Base Salary Range

• $75,000 - $110,000 annually.
• The compensation offered will take into account the internal compensation structure and may vary depending on the candidate's geographic region, job‑related knowledge, skills, and experience, among other factors.
• This position is eligible for a performance‑based bonus as provided by the plan terms and governing documents.

Equal Opportunity Employer

Topstep is an Equal Opportunity Employer. We are committed to fostering an inclusive environment where all employees and applicants are valued. All qualified candidates will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, or veteran status, in compliance with applicable federal, state, and local laws.