Senior Risk Analyst

Founded in 2020 by a team of leaders from Braintree, PayPal, and Lending Club, Highnote is an all in one card issuer processor and program management platform. We give digital-first organizations the flexibility to easily issue and process payment cards that accelerate business growth and profitability. 

We’ve raised $104M+ and grown our team to 100+ employees. Headquartered in San Francisco, we’ve managed to build one of the most advanced payments teams in the industry, with team members in 22+ US states. 

Operating through our core values of customer obsession, executional excellence, intentional inclusion, we’re helping businesses grow for the future by creating the payment products demanded by tomorrow, with the ability to solve for use cases that don’t exist yet.

We are fast-moving, hands-on, and strongly believe everyone deserves a seat at the table. We believe we’re unlocking incredible opportunities that can change the future of payments, as long as we have the right people to make it happen. 

The Opportunity: 

Highnote is looking for a Senior Risk 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 build our risk operations from the ground up. Ideal candidates will have similar experience in ambiguous environments fulfilling a variety of roles, along with a knowledge of 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, or similar industries.

What you’ll be doing:

• Perform Know Your Business and Know Your Customer reviews on new cardholder applications in accordance with Customer Identification Program to verify accuracy and intent in order to obtain an account.
• Verify application details and documents provided to ensure they meet criteria outlined in policies, are valid and legitimate.
• Assess ongoing risk and due diligence needs for newly onboarded 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 …