Senior Risk Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Evaluate, investigate, and resolve transaction monitoring alerts related to fraud, AML, and sanctions risks within specified timelines and quality benchmarks.

• Perform comprehensive investigations of atypical or questionable activities, including analysis of accounts, cards, and counterparties, documenting findings with clear justifications and supporting evidence.

• Detect patterns and typologies such as structuring, rapid fund movement, card testing, account takeover, money mule activities, and misuse of programs by undisclosed third parties.

• Create precise and well-supported referrals for Unusual Activity Reporting, ensuring high-quality narratives and timely submissions.

• Analyze transaction data to pinpoint emerging fraud and compliance trends, recommending risk mitigation actions such as restrictions on cards or accounts.

• Collaborate on the design, tuning, and backtesting of monitoring rules and scenarios.

• Observe subscriber program activities against expected behaviors and escalate any elevated-risk discrepancies.

• Assist sponsor bank oversight, regulatory examinations, and audits by providing monitoring data, case files, and responses to inquiries.

• Contribute to the development of monitoring procedures, alert-handling playbooks, and quality assurance processes.

• Aid in KYC/KYB reviews of new subscriber applications as necessary.

• Engage in a 24/7 on-call rotation, one week per month, to respond to real-time risk events while coordinating with Operations and Engineering.

⛳️ Requirements

• Over 8 years of experience on a risk or financial crimes team, focusing on transaction monitoring, BSA/AML investigations, fraud investigations, and suspicious activity reporting.

• Proven knowledge of regulatory requirements for payment and/or card issuing platforms.

• Experience in risk management within a Bank or other financial institution.

• Practical experience with transaction monitoring systems, including alert reviews and the tuning of rules or scenarios.

• Ability to work effectively under pressure and meet tight deadlines.

• Proven track record of developing innovative solutions to complex challenges.

• Proficient in utilizing AI tools to expedite investigations, research, and documentation while exercising sound judgment to validate results.

• CAMS, CFE, and/or CFCS certification (preferred qualification).

• Experience with SQL and BigQuery (preferred qualification).

• Familiarity with card network data and typologies (preferred qualification).

• Experience in presenting to and collaborating with executive teams and sponsor banks (preferred qualification).

🏝️ Benefits

• Equity in Highnote.

• Flexible paid time off.

• Health coverage: 100% covered for employees and 75% for dependents.

• 401(k) program.

• Paid parental leave.

• Remote work support: a home office stipend, plus internet and phone reimbursement.

• Opportunity to influence the company and its operations.

• Direct collaboration with leadership in a flat organizational structure.