Senior Risk Analyst, Highnote
Acquiring
$90-130k
Card issuer and payments services
Be an early applicant
Card issuer and payments services
101-200 employees
Be an early applicant
$90-130k
101-200 employees
Company mission
To build the future of embedded finance experiences for businesses everywhere.
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.
Now, the company is focused on expanding its market presence and developing its platform even further. With strategic partnerships with industry giants like Visa to its name, Highnote will be able to offer an even wider range of card options and financial services, giving customers more ways to manage payments and expenses in today's fast-paced business world.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
11% employee growth in 12 months
Company
Funding (last 2 of 3 rounds)
Jun 2022
$25m
CONVERTIBLE
Sep 2021
$54m
SERIES A
Total funding: $90.5m
Company benefits
- Flexible Paid Time off: We encourage team members to take the time off they need to recharge and be at their best
- 100% health, dental, vision coverage: We cover your entire monthly premiums, and 75% for spouses and dependents
- Equity, own a piece of Highnote: We want everyone at the company to share in our collective success
- 12-6 weeks paid parental leave: Birth parents receive 12 weeks paid leave, and up to 16 weeks away from work. Non-birth parents receive 6 weeks paid leave
- 401k Retirement Savings: We want to help you invest in your future
- Stipend for WFH: We give all employees a monthly stipend for their work-from-home expenses
- Free lunches during office days: If you work out of San Francisco, you receive free lunches when working from the office
- Team events and offsites: We value team bonding and collaboration in-person when applicable
Company values
- Customer Obsession: We obsess over the challenges our customers face and create inspired solutions that empower them to differentiate and win
- Executional Excellence: We believe results matter and that a disciplined and thoughtful approach leads to phenomenal outcomes
- Intentional Inclusion: We cultivate a trusting, transparent environment where everyone has a voice, believing that diversity of thought leads to phenomenal work from our teams and fantastic results for our customers
Company HQ
Yerba Buena, San Francisco, CA
Articles
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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