About Highnote

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 adapting risk approaches to ever-evolving trends in order to protect the company against risk posed by operations and subscriber activity.

What we are looking for:

• 7 years of experience on a risk team with a focus on BSA/AML principles, fraud investigations, and suspicious activity reporting.
• CAMS, CFE, and/or CFCS certification.
• Awareness of compliance obligations for payment and/or card issuing platforms
• Experience in working in risk at a card issuer, payment processor, or other financial institution.
• Successful under pressure and with shortened deadlines.
• Demonstrated success developing inventive solutions to complex problems
• Experience presenting to and collaborating with executive teams.
• Experience at a startup company.
• Successful experience operating as a self starter with strong critical thinking skills.

Why Highnote?

• We’re a startup that allows for our employees to truly build from the ground up and impact every layer of our organization.
• We’re a team of payments obsessed individuals. While some of us come from the fintech world, some of us don’t. We value the varied backgrounds and the diverse perspectives of our employees.
• We’re small on hierarchy and big on growth. We’re a flat organization that allows everyone to have direct exposure to our leadership team. We are looking for builders who thrive in ambiguity.
• We’re backed by Oak HC/FT, Costanoa Ventures, and XYZ Ventures. Angel Investors include Bill Ready (CEO at Pinterest) and Renaud Laplanche (Co-Founder & CEO of Upgrade).

Highnote benefits

• Flexible Paid Time Off
• 100% healthcare coverage + 75% coverage for dependents
• 401k program
• Up to 16 weeks off for Maternity leave + up to 6 weeks of Paternity leave
• Equity in Highnote
• Stipend to build out your home office; internet and phone reimbursement
• At Highnote we have built a total rewards philosophy that includes fair, equitable, geo-based compensation that is performance and potential based. Our compensation packages are competitive based on robust market research and are a combination of a cash salary, equity, and benefits. In compliance with the Equal Pay for Equal Work Act, the annual salary range for applicants is $90,000-$130,000.

Please note that positions located in San Francisco are hybrid and include core working days of Tuesday, Wednesday, Thursday in office. We provide flexible work options based on distance from our downtown SF office. Highnote believes in the power of face-to-face, personal connection. As a result, we prioritize in-person candidates.

Highnote is a diverse and inclusive company committed to growing a diverse and inclusive team. We invite people from all backgrounds and identities to apply. We do not discriminate based on gender identity or expression, sexual orientation, race, religion, age, national origin, citizenship, disability, pregnancy status, veteran status, or any other characteristics protected by US federal state or local laws, or the laws of the country or jurisdiction where you work. Additionally, we encourage everyone to share which pronouns you wish for us to use when addressing you (i.e.: she/her, he/him, they/them, etc).