Merchant KYB Analyst
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Job Description
Merchant KYB Analyst investigating business ownership, sanctions, fraud, and reputational risk for Breeze’s universal fiat-and-crypto payment platform. Supporting compliant merchant onboarding and scalable risk operations.
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 and Tax ID documentation, proof of address, and supporting corporate records
- Identify and verify Ultimate Beneficial Owners, including ownership structures, sanctions screening, OFAC, EU and UN watchlist screening, and PEP checks
- Perform adverse media, reputation, and open-source investigations across businesses, founders, and key personnel
- Review customer sentiment across Trustpilot, BBB, Reddit, Discord, X, and other public sources
- Evaluate merchant business models for payment facilitation, nested merchants, undisclosed third-party fund movement, and prohibited activities
- Review chargeback history, processor relationships, fraud indicators, and card network monitoring program participation
- Cross-reference G2 Risk Solutions and other third-party intelligence platforms against internal findings and investigate discrepancies
- Prepare case documentation and escalate complex or high-risk findings to Underwriting, Compliance, or Legal teams
- Prepare and maintain monthly merchant reporting for partners including Worldpay and PPRO
- Continuously improve KYB workflows, documentation standards, and operational processes
Requirements:
- 5+ years of experience in KYB, KYC, AML, merchant onboarding, payments compliance, fraud investigations, or financial crime
- Experience in a fintech, payment processor, PSP, Merchant of Record, acquiring bank, or regulated financial services environment
- Experience conducting business verification, UBO validation, sanctions screening, adverse media reviews, and enhanced due diligence
- Investigative and research skills using corporate registries, public records, and open-source intelligence
- Ability to review corporate filings, legal documents, bank statements, business websites, and financial records while identifying inconsistencies and risk signals
- Strong understanding of merchant risk, payment flows, and fraud typologies across card payments and digital commerce
- Ability to operate with incomplete information, exercise sound judgment, and escalate complex findings
- Exceptional attention to detail with strong written documentation and case management skills
- Excellent communication skills for presenting findings to cross-functional stakeholders
- Experience reviewing high-risk merchant categories such as gaming, sweepstakes, digital goods, subscription businesses, or marketplaces is a strong plus
- Familiarity with Visa and Mastercard merchant onboarding requirements, MCC classifications, and chargeback monitoring programs is a plus
- Experience with Persona and G2 Risk Solutions is a plus
- Startup or high-growth fintech experience is highly preferred
Benefits:
- Competitive salary + equity package
- 21 days PTO
- Flexible benefits: annual medical allowance, productivity allowance, gym membership/wellness subsidy
- Annual company retreat
- Opportunity to help build the merchant onboarding and compliance foundation of a category-defining fintech company
- Backed by Sequoia Capital with strong runway and ambitious growth plans
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