Senior Risk Analyst

HighNote

. Review, investigate, and disposition transaction monitoring alerts for fraud, AML, and sanctions risk within established timelines and quality standards .

Posted 11/10/2026full-timeRemote • United StatesSenior💰 $90,000 - $130,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Expertise in transaction monitoring, fraud investigations, and BSA/AML compliance, with a strong ability to analyze data and identify emerging risks. Proficient in developing solutions for complex financial crime challenges while ensuring adherence to regulatory standards.

Highest-signal resume keywords

Transaction MonitoringBSA/AML InvestigationsFraud InvestigationsRegulatory ComplianceSQL

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Transaction Monitoring SystemsAlert ReviewRule TuningData AnalysisFraud DetectionSuspicious Activity ReportingKYC/KYB ReviewsPattern RecognitionRisk MitigationDocumentation

Soft Skills

Problem SolvingCollaborationCommunicationPressure ManagementJudgment

Tools & Technologies

AI ToolsBigQueryCard Network Data

Certifications & Qualifications

CAMSCFECFCS

Industry Keywords

Financial CrimesRegulatory ObligationsPayment PlatformsSuspicious ActivityMonitoring Procedures

Tech Stack

Tools & technologies

BigQuerySQL

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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