Hybrid opportunity at
GustoEnhanced Due Diligence Investigations Analyst
Gusto operates a platform serving over half a million small businesses nationwide by managing payroll, health benefits, 401(k) plans, and HR administration. Within this financial ecosystem,…
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About This Role
Gusto operates a platform serving over half a million small businesses nationwide by managing payroll, health benefits, 401(k) plans, and HR administration. Within this financial ecosystem, the organization is looking for a professional to join the Financial Crime Compliance program as an individual contributor handling complex risk assessments. This position involves independently investigating high-risk accounts, evaluating complex entity ownership structures, and conducting due diligence reviews from customer onboarding through ongoing…
Job Description
Gusto operates a platform serving over half a million small businesses nationwide by managing payroll, health benefits, 401(k) plans, and HR administration. Within this financial ecosystem, the organization is looking for a professional to join the Financial Crime Compliance program as an individual contributor handling complex risk assessments.
This position involves independently investigating high-risk accounts, evaluating complex entity ownership structures, and conducting due diligence reviews from customer onboarding through ongoing platform monitoring. The work requires balancing rigorous regulatory requirements with the customer experience, utilizing open-source intelligence research, and applying human judgment alongside artificial intelligence tools to spot issues and draft Suspicious Activity Reports.
The ideal candidate possesses extensive background in financial crime investigations, strong analytical writing abilities, and familiarity with regulatory expectations surrounding enhanced due diligence. Day-to-day duties include vetting multi-layered business structures, resolving alerts related to sanctions or politically exposed persons, mentoring newer colleagues, and identifying workflow enhancements.
Gusto provides competitive base pay, equity options in the form of restricted stock units, and standard benefits for full-time personnel. Compensation varies based on geographical market and experience level. The company maintains physical workspaces in Denver, San Francisco, and New York City, operating under a hybrid model where staff in those metropolitan areas work from an office on designated days.
Responsibilities
- Perform autonomous enhanced due diligence reviews for high-risk accounts, covering both periodic and event-driven evaluations
- Conduct deep open-source research and document analysis to assess adverse media, sanctions exposure, politically exposed persons, geographic risks, and source of wealth
- Examine complex multi-layered business entities, summarize findings, and write Suspicious Activity Reports when necessary
- Resolve alerts regarding sanctions, adverse media, politically exposed persons, or specialized industries like marijuana-related businesses
- Execute Know Your Customer reviews during initial onboarding, verifying business identity and ownership structures with minimal supervision
- Utilize artificial intelligence applications to triage alerts, accelerate research, and draft documentation while verifying accuracy
- Mentor less-experienced team members on open-source research methods, ownership analysis, and risk documentation
Requirements
- Minimum of five years of professional experience in enhanced due diligence, anti-money laundering investigations, customer due diligence, or related research tasks
- Advanced investigative writing skills to synthesize intricate fact patterns and risk evaluations clearly
- Strong research and analytical capabilities for handling large amounts of data and open-source materials
- Thorough knowledge of regulatory requirements governing enhanced due diligence, Suspicious Activity Reports, and customer due diligence
- Proficiency in utilizing artificial intelligence tools for daily investigative workflows, including prompt adjustment and output validation
- Ability to collaborate across cross-functional teams and provide structured mentorship to junior investigators
Qualifications
- Certified Anti-Money Laundering Specialist or alternative compliance certifications
Core Skills
Benefits
- Competitive base salary with amounts depending on role, level, and location
- Equity package comprising restricted stock units
- Performance bonuses
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the employment type for this role?
This is a full-time position.
What is the remote work policy?
The posting indicates a hybrid arrangement for employees based near the Denver, San Francisco, and New York City offices, requiring them to work on-site approximately two to three days per week on designated days.
What is the salary range for this position?
Cash compensation ranges from $89,165 to $112,942 per year in Denver, and from $110,640 to $136,456 per year for New York and San Francisco, with final offers determined by location, experience, and expertise alongside equity and bonuses.
Are compliance certifications required?
The posting notes that holding a CAMS or other relevant compliance certification is strongly preferred rather than strictly mandatory.
Sample Interview Questions
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