Senior Risk Analyst

Responsibilities

• Review, investigate, and disposition transaction monitoring alerts for fraud, AML, and sanctions risk
• Conduct in-depth investigations of unusual or suspicious activity, documenting findings
• Identify patterns and typologies such as structuring, card testing, account takeover, and money mule activity
• Prepare referrals for Unusual Activity Reporting and support timely filing
• Analyze transaction data to identify emerging fraud and compliance trends
• Partner on design, tuning, and backtesting of monitoring rules and scenarios
• Support sponsor bank oversight, regulatory exams, and audits
• Participate in a 24/7 on-call rotation one week per month

Requirements

• 8+ years on a risk or financial crimes team with transaction monitoring focus
• Knowledge of regulatory obligations for payment or card issuing platforms
• Experience in risk at a bank or other financial institution
• Hands-on experience with transaction monitoring systems
• Able to work under pressure with shortened deadlines
• Comfortable using AI tools while verifying results

Preferred Qualifications

• CAMS, CFE, and/or CFCS certification
• SQL and BigQuery experience
• Experience with card network data and typologies
• Experience presenting to executive teams and sponsor banks

Benefits

• Equity in the company
• Flexible paid time off
• Health coverage with employee and dependent coverage
• 401(k) program
• Paid parental leave
• Home office stipend plus internet and phone reimbursement

About the Company

Highnote is a unified embedded finance platform founded in 2020 with headquarters in San Francisco. The company has 140+ employees across 25+ US states.