Enhanced Due Diligence Analyst

Position Overview

• Location Type: Remote
• Job Type: Full-time
• Salary: $75,000/yr to $100,000/yr + equity + benefits

Finix is a full-stack acquirer processor, empowering businesses of all sizes with flexible, modern payment solutions. Processing billions of dollars annually, Finix enables SaaS, marketplace, and e-commerce platforms to accept payments, manage payouts, and onboard merchants seamlessly. With our no-code, low-code, and developer-friendly tools, businesses can get up and running in hours—not months. Finix has raised over $175M, including a $75M Series C led by Acrew Capital.

The Compliance & Payment Operations (POPs) teams manage Finix’s Compliance and Risk functions. We design, implement, and monitor programs required by regulators, Card Brand and NACHA rules, and our banking partners. This includes interpreting applicable rules (e.g., AML, Enhanced Due Diligence), defining what’s required, building how we execute it, and ensuring compliance to gain approval from Sponsor Banks and Card Brands.

The Enhanced Due Diligence Underwriter will manage underwriting for High Risk Verticals, Payment Facilitators, and ISOs. We're looking for someone proactive and strategic, with the ability to work cross-functionally, support underwriting engine improvements, represent Finix in audits, and partner with Sponsor Banks to onboard High Risk Merchants.

Responsibilities

• Create and own the Enhanced Due Diligence of high-risk clients and industries, including building out an Enhanced Due Diligence Program for high-risk verticals such as debt collection, accounts receivable management, marketplace, digital wallets, subscription services, Nutraceuticals, and others as needed.
• Partner with Account Management within high-risk verticals to determine if we can onboard clients within these verticals while adhering to vertical EDD and AML program requirements.
• Seek and clarify compliance requirements from sponsor banks and card brands, reviewing these with POPs and Compliance.
• Once EDD programs are solidified, work with Sales and communicate requirements to potential customers.
• Work closely with Underwriting, Compliance, and Legal on any potential customer onboarding.

Requirements

• Prior payments experience at a processor, payment facilitator, or FinTech specializing in money movement.
• 3+ years of experience in Enhanced Due Diligence or Underwriting.
• A talent for analyzing industry requirements as set by the sponsor bank to determine whether or not Finix can do business with a variety of customers.
• Knowledge of industry standard regulatory compliance and ability to build a program to ensure potential customers meet these requirements.
• Customer-facing experience.
• Ability to work cross-functionally with a variety of teams such as Risk, Compliance, Underwriting, and Account Management.
• Proactive and enthusiastic to build an Enhanced Due Diligence program.
• Excited to research rules & regulations to ensure our interpretation and operationalization is within Finix's risk tolerance.
• Able to communicate with technical and non-technical teams, translating complex concepts between the two and ensuring alignment between them.
• Keenly attuned to details, ensuring nothing is overlooked when defining & assessing risk.
• Organized and able to manage multiple projects simultaneously, against deadlines and within budget.
• Confident in your abilities but eager to learn and expand your knowledge.

Company Information

Finix is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other protected class.