Enhanced Due Diligence Investigations Analyst
Denver, CO - Hybrid · New York, NY - Hybrid · San Francisco, CA - Hybrid · 5+ years experience · Hybrid · Posted Oct 13, 2026
At a glance
- Experience
- 5+ years experience
- Workplace
- Hybrid
- Location
- Denver, CO - Hybrid · New York, NY - Hybrid · San Francisco, CA - Hybrid
About Gusto
- At Gusto, 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 Gusto 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 Gusto. 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
- Gusto 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.
Responsibilities
- 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 Gusto'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
Requirements
- 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
Preferred qualifications
- CAMS or other relevant compliance certifications strongly preferred
Benefits
- Competitive base pay
- Benefits
- Equity (RSUs)
- Performance bonuses
Workplace
- Employees who are based in Denver, San Francisco, or New York City will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role).
- When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required.
- We expect regular and predictable attendance, whether you're working in-office, hybrid, or fully remote.
