Customer Onboarding and Risk Management Analyst

About the Job

As a Customer Onboarding and Risk Management Analyst, your primary responsibility at Zero Hash will be identity verification for both individual and entity customers. This involves meticulous review of documentation for validity and utilizing various sources to verify supplied information, ensuring strict compliance with internal policies and regulatory requirements. A key aspect of this role includes developing risk ratings and profiles for partner customers and shared end customers. Previous experience in a B2B2B, B2B2C, or payments FinTech environment is highly valued. This position reports to the Director of AML, Third Party Compliance, and Specials Projects or a similar leadership role.

This is a fully remote position, exclusively open to candidates based in the Netherlands.

Responsibilities

• Perform client due diligence and KYB/C screening on new customers across various business units and associated payments.
• Guide internal business units in preparing KYB/C packages and new onboarding requests.
• Review and process watch list filtering and negative news alerts generated during customer onboarding.
• Actively participate in and contribute to projects and other assigned tasks.
• Collaborate with diverse teams, including business unit leaders, surveillance, compliance, and technology.
• Conduct thorough research using online tools to identify applicant entities and beneficial owners.
• Identify potential KYB/C and payments concerns, escalating issues to the Director of AML and Third Party Compliance during onboarding and ongoing review.
• Process new client KYB/C forms and maintain reference databases with complete records and information.
• Conduct KYB/C due diligence searches and perform reviews for new and existing customers of Zero Hash and its affiliates.
• Respond to requests for information regarding appropriate KYB/C documentation.
• Identify potential areas for improved processing and automation of manual processes.
• Escalate clients identified as High Risk or where material adverse information has been found to management.
• Accurately risk assess new and existing clients, resolving issues as appropriate.
• Assist in the development and improvement of team policies and procedures.
• Support other Compliance areas, including travel rule, transaction monitoring, sanctions and watchlist screenings, as required.
• Assist with ad-hoc projects and reviews when needed.

Requirements

• College degree with strong academic credentials.
• 2+ years of AML experience or related FinTech or financial services experience, particularly in B2B2C contexts.
• Hardworking and driven with strong time management skills.
• Ability to execute tasks within tight deadlines.
• Strong verbal and written communication skills.
• Excellent organizational, analytical, and interpersonal skills for effective cross-regional and cross-business unit collaboration.
• Ability to multi-task effectively while maintaining attention to detail.
• Crypto experience is a plus.
• ACAMS or similar certification is a plus.
• Experience with MSB's, securities broker-dealers, or commodities futures commission merchants is a plus.
• Proficiency in Excel, including pivot tables and VLOOKUP's, is a plus.

Benefits

• Healthcare Insurance: Zero Hash covers approximately 100% of employee premiums and a portion for spouse/children (U.S. only).
• Vision & Dental Insurance (U.S. only).
• Opportunity to earn equity.
• Maternity & Paternity leave (after 6 months).
• WeWork All Access Membership.
• WFH Yearly Stipend.
• L&D Yearly Stipend (after 6 months).

About Zero Hash

Zero Hash is a leading crypto and stablecoin infrastructure platform, serving as the operating system for digital money and powering the next generation of financial services. Established in 2017, Zero Hash empowers banks, brokerages, fintechs, and payment companies to seamlessly offer crypto trading, stablecoin payments, and tokenized assets without the need to build or manage complex blockchain infrastructure in-house.

The Zero Hash platform supports three core pillars: Trade, Transact, and Tokenize. Through a single integration, partners can launch regulated crypto buy, sell, and custody services; facilitate 24/7 stablecoin-based funding, payouts, and settlement; and issue and manage tokenized assets with integrated compliance, risk controls, and reporting. By simplifying technical, regulatory, and operational complexities, Zero Hash allows its partners to treat digital assets as a fundamental financial primitive: fast, programmable, and global.

Zero Hash is a trusted provider for renowned financial and consumer brands, including Interactive Brokers, Morgan Stanley, Stripe, Franklin Templeton, BlackRock, DraftKings, Gusto, Worldpay, Kalshi, and One Pay. Currently, Zero Hash's infrastructure supports millions of end users across various brokerage, wealth, payments, and marketplace platforms worldwide.

The company is deeply regulated and compliance-first, operating across the U.S. and internationally with licenses and approvals that instill confidence in partners entering the crypto and stablecoin space. Zero Hash has become an indispensable partner for enterprises aiming to modernize financial products while adhering to the highest standards for security, risk management, and regulatory oversight.

To date, Zero Hash has secured over $280 million in funding from prominent venture firms and strategic investors, including Morgan Stanley, Interactive Brokers, SoFi, Point72 Ventures, Bain Capital Crypto, and Lightspeed Venture Partners.

Zero Hash has garnered coverage in leading media outlets such as Bloomberg, CNBC, The Wall Street Journal, Financial Times, Reuters, Forbes, and CoinDesk, with its leadership frequently contributing to global discussions on the future of payments, investing, and financial infrastructure.

At Zero Hash, the mission is to build secure, compliant, and globally scalable infrastructure for digital money.

The Zero Hash Culture

All Zero Hash employees are guided by the following characteristics and core principles:

• Independence/Ownership: An ability to work autonomously. Join Zero Hash, pitch ideas, and shape your work.
• Passion: We are innovating quickly and challenging the status quo. We want you to think big, be creative, and make a difference every day.
• Collaborative: A good attitude and respect for others. We're teammates, not co-workers. Everything we do is a shared success and equally a shared failure - we talk in terms of “we” not “me”.
• Initiative: An ability and passion for learning and asking questions. We will champion you, challenge you, and push you to achieve your best - and we expect you to do the same.
• Empathy: An ability to listen, respect, and understand your co-workers, customers, and everyone you interact with, no matter how different they are to you.
• Adaptability: An ability to respond quickly. We are in a fast-paced industry, and so we expect you to be creative when solving a new problem and comfortable under pressure.
• Transparency: We believe that transparency is critical to empowering everyone to make the best decisions, both the company to its people and vice versa.
• Integrity: Integrity creates trust. As both an organization collectively and as individuals, it is our most valuable asset.

Key skills/competency

• AML (Anti-Money Laundering)
• KYC/KYB (Know Your Customer/Business)
• Risk Management
• Due Diligence
• Compliance
• Identity Verification
• FinTech
• Payments Processing
• Regulatory Affairs
• Data Analysis