Senior Risk Analyst

Job not on LinkedIn

🔥 3 minutes ago

🇺🇸 United States – Remote

💵 $90k - $130k / year

⏰ Full Time

🟠 Senior

🎲 Risk

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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HighNote

WebsiteLinkedInAll Job Openings

51 - 200 employees

💼 Consulting

📦 Logistics

📣 Marketing

Consulting • Logistics • Marketing

HighNote is a company specializing in marketing, direct mail, and data analytics services. It offers a range of solutions, including print services, signs, and promotional items, to enhance its clients' brand presence. HighNote uses innovative technologies like HyprMail to integrate digital platforms with traditional direct mail campaigns, ensuring more personalized and effective customer engagement. The company is committed to equity and inclusion, being WBENC certified to support women-owned businesses. With a focus on creativity and problem-solving, HighNote partners with clients to deliver success in dynamic environments.

📋 Description

• Review, investigate, and disposition transaction monitoring alerts for fraud, AML, and sanctions risk within established timelines and quality standards • Conduct in-depth investigations of unusual or suspicious activity, including account, card, and counterparty analysis, and document findings with clear rationale and supporting evidence • Identify patterns and typologies such as structuring, rapid movement of funds, card testing, account takeover, money mule activity, and misuse of programs by undisclosed third parties • Prepare accurate, well-supported referrals for Unusual Activity Reporting and support UAR narrative quality and timely filing • Analyze transaction data to identify emerging fraud and compliance trends and recommend risk-mitigating actions such as card or account restrictions • Partner on the design, tuning, and backtesting of monitoring rules and scenarios • Monitor subscriber program activity against expected behavior and escalate elevated-risk deviations • Support sponsor bank oversight, regulatory exams, and audits by producing monitoring data, case files, and responses to inquiries • Contribute to monitoring procedures, alert-handling playbooks, and quality assurance • Support KYC/KYB reviews of new subscriber applications as needed • Participate in a 24/7 on-call rotation, one week per month, responding to real-time risk events and coordinating with Operations and Engineering

🎯 Requirements

• 8+ years of experience on a risk or financial crimes team with a focus on transaction monitoring, BSA/AML investigations, fraud investigations, and suspicious activity reporting • Demonstrated knowledge of regulatory obligations for payment and/or card issuing platforms • Experience working in risk at a Bank or other financial institution • Hands-on experience with transaction monitoring systems, including alert review and rule or scenario tuning • Comfortable working under pressure and with shortened deadlines • Demonstrated success developing inventive solutions to complex problems • Comfortable using AI tools to speed up investigations, research, and documentation, while applying sound judgment to verify the results • CAMS, CFE, and/or CFCS certification (bonus qualification) • SQL and BigQuery experience (bonus qualification) • Experience with card network data and typologies (bonus qualification) • Experience presenting to and collaborating with executive teams and sponsor banks (bonus 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 shape the company and its operations • Direct collaboration with leadership in a flat organization

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