Merchant KYB Analyst

Breeze

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.

Posted 8/7/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting end-to-end KYB reviews, including business verification, sanctions screening, and fraud investigations. Proficient in preparing case documentation and collaborating with cross-functional teams to ensure compliance and risk management.

Highest-signal resume keywords

KYB ReviewSanctions ScreeningFraud InvestigationsBusiness VerificationPayments Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

KYCAMLAdverse Media ReviewsUBO ValidationRisk AssessmentChargeback MonitoringFinancial Crime InvestigationDocument ReviewOpen-Source IntelligencePayment Flows

Soft Skills

Attention to DetailJudgmentCommunicationCase ManagementResearch Skills

Tools & Technologies

PersonaG2 Risk SolutionsTrustpilotBBBRedditDiscordXVisa Merchant OnboardingMastercard Merchant OnboardingChargeback Monitoring Programs

Industry Keywords

FintechPayment ProcessorMerchant of RecordAcquiring BankRegulated Financial ServicesHigh-Risk Merchant CategoriesDigital CommerceMCC ClassificationsStartup ExperienceHigh-Growth Fintech

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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