Enhanced Due Diligence Analyst

About Gusto

At Gusto were on a mission to grow the small business economy. We handle the hard stufflike payroll health insurance 401(k)s and HRso owners can focus on their craft and customers. With teams in Denver San Francisco and New York were proud to support more than 400000 small businesses across the country and were building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy.

About the Role:

Gusto is seeking an Enhanced Due Diligence (EDD) Analyst to support our financial crime compliance (AML/EDD) program. This is an individual contributor role within the EDD Investigations team focused on conducting complex due diligence reviews to identify assess and mitigate regulatory financial crime and reputational risk.

In this role you will perform in-depth EDD investigations for higher-risk customers using a combination of human judgment open-source intelligence and AI-enabled tools. You will act as a risk advisor to internal partners supporting informed onboarding monitoring and exit decisions while balancing regulatory obligations and customer experience.

EDD at Gusto presents unique and intellectually engaging challenges. Our platform supports hundreds of thousands of small businesses across diverse industries ownership structures and geographies. Analysts encounter nuanced risk profiles and complex entity structures that require rigor judgment and adaptability. This role is ideal for someone who enjoys deep investigative work and uses AI as a core part of how they work to improve efficiency and quality.

About the Team:

The Enhanced Due Diligence Investigations team conducts thorough reviews of higher-risk customers and activities. The team evaluates ownership and control structures source of wealth and funds adverse media sanctions exposure and other risk indicators to ensure Gusto meets regulatory expectations and maintains platform integrity.

Heres what youll do day-to-day:

• Conduct enhanced due diligence reviews for higher-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 complex or multi-layered entities synthesize findings into clear investigative summaries and Suspicious Activity Reports (SARs) when appropriate
• Investigate and escalate EDD-related alerts involving sanctions exposure adverse media PEPs marijuana-related businesses or other elevated risk indicators making sound risk-based recommendations to senior stakeholders
• Strong written and verbal communication skills including the ability to engage professionally with customers in higher-risk or sensitive situations
• Leverage AI-enabled tools to accelerate 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 Gustos 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

Heres what were looking for:

• 3 years of experience conducting enhanced due diligence AML investigations customer due diligence or similarly deep investigative or research-driven work
• Strong investigative writing skills with the ability to clearly summarize complex fact patterns and risk assessments
• Excellent research and analytical skills including comfort working with large volumes of information
• Experience conducting open-source research and adverse media analysis
• Familiarity with regulatory expectations related to EDD SAR reporting and customer due diligence
• Ability to apply sound judgment in ambiguous or higher-risk scenarios
• Strong organizational skills and attention to detail; comfortable managing multiple 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
• CAMS or other relevant compliance certifications are a plus

Our cash compensation amount for this role is between $74000 - $89000/year in Denver and $93000 - $112000/year 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.

Gusto 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 Gustos subsidiary whose physical office is in Scottsdale.

Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas.

When approved to work from a location other than a Gusto office a secure reliable and consistent internet connection is required. This includes non-office days for hybrid employees.

Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds not just because its the right thing to do but because it makes our company stronger. If you share our values and our enthusiasm for small businesses you will find a home at Gusto.

Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race color religion national origin age sex (including pregnancy childbirth or related medical conditions) marital status ancestry physical or mental disability genetic information veteran status gender identity or expression sexual orientation or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories consistent with applicable federal state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey please fill out this form and a member of our team will get in touch with you.

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