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Job Description
Highnote is seeking a Senior Risk Analyst to enhance its risk operations. The role involves collaborating with support, compliance, and product leadership to develop risk operations from the ground up. The ideal candidate should have experience in ambiguous environments and 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 this role involves:
- Performing Know Your Business and Know Your Customer reviews.
- Verifying application details and documents.
- Assessing ongoing risk and due diligence needs for newly onboarded customers.
- Analyzing transaction data to identify fraud, credit, and compliance risks.
- Investigating and completing due diligence on accounts that flag in transaction monitoring, chargeback activity, AML, fraud, and sanctions reports.
- Documenting risk decisioning with supporting evidence and capturing risk mitigation actions taken.
- Accurately completing referrals for Suspicious Activity Reporting.
- Defining and adapting risk approaches to ever-evolving trends.
Requirements:
- 8+ years of experience on a risk team with a focus on CIP, BSA/AML principles, fraud investigations, and suspicious activity reporting.
- Demonstrated knowledge of regulatory obligations for payment and/or card issuing platforms.
- Experience in working in risk at a Bank or other financial institution.
- Successful under pressure and with shortened deadlines.
- Demonstrated success developing inventive solutions to complex problems.
What Highnote offers:
- Flexible Paid Time Off
- 100% healthcare coverage + 75% coverage for dependents
- 401k program
- Paid Parental Leave
- Equity in Highnote
- Stipend to build out your home office; internet and phone reimbursement
