KYC Analyst

As a KYC Analyst at Coinflow, you oversee the Know Your Customer (KYC) and Know Your Business (KYB) lifecycle for merchants. You conduct thorough reviews, manage ongoing program requirements, and identify gaps to improve processes. Working across Compliance, Risk, Engineering, and Support, you develop standard operating procedures, design workflows, and drive product changes to keep Coinflow compliant while enabling smooth merchant onboarding.

What you'll do

• Own KYC/KYB reviews throughout merchant onboarding, ensuring compliance with applicable requirements while identifying opportunities to improve review quality, efficiency, and scalability
• Manage Enhanced Due Diligence (EDD) reviews of KYC information during merchant onboarding, knowing escalation paths for executive or leadership review or sign-off
• Handle post-onboarding merchant requests for product or regional expansion, which may require conducting additional KYC/KYB or enhanced due diligence reviews to ensure compliance with new jurisdictional standards
• Oversee ongoing KYC/KYB maintenance and periodic reviews, ensuring merchant records remain complete and current and coordinating collection of updated documentation as needed
• Drive KYC/KYB initiatives as Coinflow expands into new regions, products, and banking relationships, translating new requirements into operational processes, controls, and playbooks
• Serve as a subject matter expert for internal stakeholders by providing guidance on KYC documentation requirements and resolving compliance-related inquiries
• Perform compliance assessments of partner KYC/AML programs for merchants utilizing third-party verification, ensuring alignment with Coinflow's reliance standards prior to integration

What you bring

• 2+ years of experience in KYC/AML within fintech, payments, or banking
• Subject matter expertise with different jurisdictional compliance requirements and KYC/KYB for business entities and individuals
• Familiarity with fraud signals and the ability to detect these during KYC review
• Ability to develop and manage program-level processes and requirements with a view toward growing into a team lead position
• Strong communication skills and comfort operating in ambiguous, fast-paced environments
• Bachelor's degree in Political Science, Liberal Arts, Business, Economics, or a related field

Nice to have

• Experience working with KYC/KYB platforms such as Persona, Middesk, Sumsub, or similar identity and business verification tools
• Familiarity with KYC/KYB and AML requirements across the US, Canada, EU, LATAM, or other international markets
• Experience in payments, fintech, banking, or another highly regulated, high-growth environment
• Familiarity with bank, acquirer, or payment partner compliance requirements and due diligence expectations
• Experience building or improving KYC/KYB workflows, SOPs, controls, and operational processes
• Background in high-growth payment companies and knowledge of banking partner requirements

What we offer

• Base salary of $85,000 to $110,000 USD
• Equity grant allowing you to share in the long-term success of the company
• Health and wellness benefits
• 401(k) savings plan
• Flexible time off

About Coinflow

Coinflow is a next-generation payment service provider founded in 2023 that revolutionizes global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Since its seed round in 2024, Coinflow has achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume, recently announcing a $25M Series A in October 2025 led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures. Headquartered in Chicago, IL, Coinflow serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.