Senior Risk Analyst, Highnote
Acquiring
$90-130k
Card issuer and payments services
Job no longer available
Card issuer and payments services
101-200 employees
Job no longer available
$90-130k
101-200 employees
Company mission
To address limitations in the growing embedded finance market.
Role
Who you are
- Ideal candidates will have similar experience in ambiguous environments fulfilling a variety of roles, along with a knowledge of merchant acquiring, USA PATRIOT Act, OFAC, BSA/Anti-Money Laundering principles, Know Your Business and Know Your Customer processes, fraud investigations, and regulatory requirements for bank, card networks, NACHA, or similar industries
- 6+ years of experience on a risk team with a focus on BSA/AML principles, fraud investigations, and suspicious activity reporting
- CAMS, CFE, and/or CFCS certification
- Awareness of compliance obligations for merchant acquiring platforms
- Experience in working in risk at a merchant acquirer, Payment Facilitator, or other financial institution
- Successful under pressure and with shortened deadlines
- Demonstrated success developing inventive solutions to complex problems
- Experience presenting to and collaborating with executive teams
- Experience using SQL and BigQuery
- Focus on quality while maintaining high-quantity output. This role requires an individual who can tackle problems and queues efficiently, while still maintaining a high-level of accuracy needed for risk-related matters
- Solid risk operations knowledge base in a fintech related field and to say “you learn quickly” is a gross understatement
- Maintain a strong and healthy sense of curiosity. You have a desire to understand the root-cause to any problem, evaluate explanations provided, and perform due diligence to validate your understanding
- This spans across all aspects of your work, from reviewing merchant transactions, to investigating leads, and to verifying suspicious behavior understanding that the findings can have serious implications
- Empathy for customers and an ability to glean insights from customer communication and behaviors. You have an innate ability to understand the customer’s pain points while balancing the risk and regulatory requirements to process payments
- You can articulate the why behind the what with clarity and defend your position without disclosing confidential details
- You can quickly identify genuine concerns and potentially suspicious behaviors from answers customers share
- You act as a teacher helping others understand the risk requirements
- Ability to assess the big picture with a refined detail-oriented approach. You are able to contribute risk requirements to enterprise-wide initiatives while not losing sight of the day-to-day needs and team operations
- Advocate for the teams you work with and service. This role is heavily risk and compliance oriented. Risk and compliance can sometimes appear at odds with the goals of sales and marketing teams
- You are able to demonstrate the value of your products and initiatives
- Self-awareness is key. You have a strong sense of self, know your strengths and where you have blindspots that you want to improve
- You position yourself to make the most of your super powers and shore up your weaknesses
What the job involves
- Highnote is looking for an Senior Acquiring Portfolio Monitoring Analyst to join our risk operations efforts
- This is an opportunity to bring your prior experience and tool kit to an early-stage company where you will work with support, compliance, and product leadership to help enhance our acquiring risk operations
- Assess ongoing risk and due diligence needs for merchant account customers abiding by enterprise policies
- Analyze transaction data to identify fraud, credit, and compliance risks and perform risk mitigating actions where appropriate
- Investigate and complete comprehensive due diligence on accounts that flag in transaction monitoring, chargeback activity, AML, fraud, and sanctions reports
- Document risk decisioning with supporting evidence and capture risk mitigation actions taken
- Accurately complete referrals for Suspicious Activity Reporting
- Defining and adapting risk approaches to ever-evolving trends in order to protect the company against risk posed by operations and subscriber activity
Our take
Highnote is revolutionizing the world of branded payment cards, offering businesses of all sizes the ability to issue customizable cards for customers or employees. Whether for in-store shopping, loyalty programs, or corporate expenses, Highnote makes the process quick and affordable - something that was once only accessible to the largest companies.
Founded by former BrainTree and PayPal executives, Highnote has quickly gained traction in the fintech space. With significant funding and a focus on innovation, the company is positioning itself to surpass competitors like Marqeta. By leveraging the latest technology, Highnote has built a modern platform that enables businesses to create and manage payment cards more efficiently.
With a fresh $90M in funding, new acquiring capabilities, and a strong backing from major investors and partners, Highnote is clearly making its makr. As it continues to grow its platform and expand its global reach, the company is ready to be a key player in the future of embedded finance.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
11% employee growth in 12 months
Company
Funding (last 2 of 3 rounds)
Jan 2025
$90m
SERIES B
Jul 2021
$42.5m
SERIES A
Total funding: $144m
Company benefits
- Equity
- Health, Dental and Vision Insurance
- Flexible PTO
- Parental Leave
- 401k Plan
- Paid Lunch During Work Days
- Work From Home Stipend
- Team Events and Offsites
Company HQ
Yerba Buena, San Francisco, CA
Leadership
John MacIlwaine
(Co-Founder & CEO)Previously CTO of Morgan Stanley's Private Client Group, and Head of Global Development at Visa.
Kin Kee
(Co-Founder & CTO)Previously founded KCUBE SOlutions. They also spent 4 years at Lending CLub as the VP of Technology, and 3 years at Braintree as the Director of Architecture.
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