# Senior Risk Analyst at Highnote

Highnote is hiring a Senior Risk Analyst for a remote role. It pays $90k-$130k a year and Level rates it Little AI ●○○○; you can [apply on Highnote](https://jobsbylevel.com/go/d1e72003-c0c5-4a32-947c-9e9066365427?utm_medium=ai-agent).

AI Level 1, AI centrality 37 out of 100. Remote (Remote).

## Details

- Company: [Highnote](https://jobsbylevel.com/companies/highnote)
- AI level: AI Level 1 (score 37 out of 100)
- Location: Remote (Remote)
- Salary: $90k-$130k
- Posted: November 10, 2026
- Apply: https://jobsbylevel.com/go/d1e72003-c0c5-4a32-947c-9e9066365427?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=senior-risk-analyst-at-highnote-44e5ba

## Description

About Highnote Founded in 2020 by a team of leaders from Braintree, PayPal, and Lending Club, Highnote is the unified platform for embedded finance, built for modern issuing, acquiring, credit, ledger, and real-time money movement. With an integrated ledger, full program management, and a purpose-built architecture, we help companies design financial products around their customers and launch faster with greater control. We’ve raised $145M+ and have grown our team to 140+ employees across 25+ US States, with headquarters in San Francisco. Along the way, we’ve built one of the most experienced payments teams in the industry. We’re fast-moving and hands-on, and we believe everyone deserves a seat at the table. Our values of customer obsession, executional excellence, intentional inclusion, guide how we build the payment products of tomorrow's business needs. We’re looking for people who want to help shape the future of payments. Job Description Highnote is looking for a Senior Risk Analyst to join our risk operations team with a focus on transaction monitoring. This is an opportunity to bring your experience and tool kit to an early stage company, where you will work with compliance, product, engineering, and our sponsor bank partners to build and scale how we detect, investigate, and act on suspicious activity across our card issuing platform. Ideal candidates have worked in ambiguous environments and filled a variety of roles. They also know the USA PATRIOT Act, BSA/AML and OFAC requirements, fraud typologies, and the regulatory expectations for monitoring at banks, card issuers, or similar institutions. What you’ll need to be wildly successful: Focus on quality while maintaining high-quantity output. This role requires someone who can work alert queues efficiently while keeping the accuracy that risk decisions demand. You have a solid base of transaction monitoring knowledge in fintech or banking, and to say “you learn quickly” is a gross understatement. Maintain a strong and healthy sense of curiosity. You want to understand the root cause behind every alert, challenge explanations, and validate what the data is telling you. You look past the single transaction to the pattern behind it, and you know your findings can have serious implications. Empathy for customers and an ability to glean insights from customer communication and behaviors. You balance customer experience with risk and regulatory requirements. You can explain the why behind a decision clearly without disclosing confidential details, and you can quickly tell genuine activity from potentially suspicious behavior. Ability to assess the big picture with a refined detail-oriented approach. You can spot an emerging trend across a portfolio while still working an individual case to closure, and you can turn what you see in investigations into better rules and controls. Advocate for the teams you work with and service. Risk and compliance can sometimes appear at odds with growth goals. You can show the value of strong monitoring and help partners understand how it protects the business. Self-awareness is key. You know your strengths and your blind spots, and you position yourself to make the most of the first and shore up the second. What you’ll be doing: 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

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/senior-risk-analyst-at-highnote-44e5ba

Source: https://jobsbylevel.com/jobs/senior-risk-analyst-at-highnote-44e5ba

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