Senior Risk Analyst - Issuance

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Introduction to Highnote

Highnote is an embedded finance company founded in 2020 by a team of leaders from notable financial institutions such as Braintree, PayPal, and Lending Club. As a modern card platform management company, Highnote provides companies with the flexibility to issue and process payment cards seamlessly. The organization has successfully raised over $145M and expanded its workforce to over 125 employees across 25+ US states. Operating from San Francisco, Highnote's mission revolves around customer centricity, execution excellence, and intentional inclusion.

Job Opportunity: Senior Risk Analyst - Issuance

Highnote is currently looking for a Senior Risk Analyst to support their risk operations efforts. This role provides an exciting opportunity for candidates with previous experience in ambiguous environments, allowing them to shape the risk operations of an early-stage company.

Responsibilities of the Role

As a Senior Risk Analyst, your primary duties will include:

• Performing Know Your Business and Know Your Customer reviews of new subscriber applications in compliance with the Customer Identification Program.
• Verifying application details and documents to ensure they meet the required criteria outlined in policies.
• Assessing ongoing risk and due diligence for newly onboarded customers while adhering to enterprise guidelines.
• Analyzing transaction data to identify potential fraud, credit, and compliance risks while taking necessary risk mitigation actions.
• Investigating flagged accounts in transaction monitoring, chargeback activity, and drafting Suspicious Activity Reports.
• Crafting and adapting risk strategies in response to evolving trends in order to mitigate operational risks and maintain compliance.

Required Skills and Qualifications

To be considered for this position, candidates should possess the following qualifications:

• 8+ years of risk management experience, ideally focusing on CIP, BSA/AML principles, and fraud investigations.
• Strong understanding of regulatory obligations pertinent to payment and card issuing platforms.
• A solid background within a financial institution such as a bank.
• Demonstrated success in high-pressure environments with tight deadlines.
• Experience creating innovative solutions for complex challenges.

Bonus Qualifications

Preferred candidates may hold initiatives like CAMS, CFE, or CFCS certification and have familiarity with SQL or BigQuery systems.

Attributes for Success

Candidates should embody a variety of soft skills that will contribute to their success in this role:

• A strong focus on quality while managing a high volume of work.
• An inquisitive mindset, with a solid desire to unravel problems at their root causes.
• Empathy toward customers, aiding in identifying genuine concerns or suspicious activities.
• Capability to evaluate the bigger picture while focusing on details.
• Advocacy skills for the teams serviced, demonstrating the value of compliance in fulfilling business goals.
• Self-awareness to recognize and improve personal strengths and weaknesses.

Company Culture and Benefits

Highnote prides itself on maintaining a dynamic startup culture that invites employees to build from the ground up. The organization values diverse backgrounds and perspectives, fostering a flat hierarchy that enables direct interactions with leadership.

Employees enjoy an array of benefits, including:

• Flexible time off (unlimited PTO)
• 100% healthcare coverage with 75% dependents coverage
• 401k program
• Up to 16 weeks of maternity leave and 6 weeks of paternity leave
• Equity shares in Highnote
• Stipend for setting up a home office with internet reimbursement

Compensation Structure

Highnote adopts a total rewards philosophy, offering competitive compensation packages that reflect extensive market research. According to US Equal Pay for Equal Work Act, the salary range for this position is between $90,000 and $130,000. Note that roles based in San Francisco are hybrid, necessitating in-office attendance on select core working days (Tuesday, Wednesday, Thursday).

Commitment to Diversity and Inclusion

Highnote actively seeks to grow a diverse workforce and encourages individuals from all backgrounds to apply. They advocate against discrimination of any kind, including issues based on gender, race, religion, or disability. The firm invites applicants to share their preferred pronouns, further promoting a workplace rooted in inclusivity.

Conclusion

For those seeking an impactful career opportunity in the fintech space, the Senior Risk Analyst - Issuance position at Highnote offers a chance to influence a growing organization dedicated to innovation in risk management and payment solutions. Emphasize your adaptability, analytical skills, and risk management experience to seize this opportunity.

This job offer was originally published on himalayas.app