Senior Risk Analyst (Fintech)

Location: Remote. Roles based in San Francisco are hybrid, with office attendance Monday through Thursday; priority is given to candidates who can work from the downtown San Francisco office.

Annual salary: $90,000–$130,000, plus equity and benefits.

Company

hirify.global is an early-stage fintech platform for embedded finance, including issuing, acquiring, credit, ledger, and real-time money movement.

What you will do

• Review, investigate, and disposition transaction monitoring alerts involving fraud, AML, and sanctions risk.
• Conduct account, card, and counterparty investigations; document findings and prepare referrals for Unusual Activity Reporting.
• Identify fraud and financial crime patterns, including structuring, rapid movement of funds, card testing, account takeover, money mule activity, and third-party program misuse.
• Analyze transaction data, monitor subscriber programs, and recommend restrictions or other risk-mitigating actions.
• Design, tune, and backtest monitoring rules and scenarios; improve procedures, playbooks, and quality assurance.
• Support sponsor bank oversight, regulatory exams, audits, KYC/KYB reviews, and a 24/7 on-call rotation one week per month.

Requirements

• 8+ years of experience on a risk or financial crimes team focused on transaction monitoring, BSA/AML investigations, fraud investigations, and suspicious activity reporting.
• Knowledge of regulatory obligations for payment and card issuing platforms, including the USA PATRIOT Act, BSA/AML, and OFAC requirements.
• Experience working in risk at a bank or other financial institution.
• Hands-on experience with transaction monitoring systems, alert review, and rule or scenario tuning.
• Ability to work successfully under pressure and shortened deadlines and develop inventive solutions to complex problems.
• Comfort using AI tools for investigations, research, and documentation while applying sound judgment to verify results.

Nice to have

• CAMS, CFE, and/or CFCS certification.
• SQL and BigQuery experience for ad hoc analysis or rule backtesting.
• Experience with card network data and typologies, including authorization, clearing, and chargebacks.
• Experience presenting to and collaborating with executive teams and sponsor banks.

Culture & Benefits

• Early-stage environment with broad opportunity to shape products and operating processes.
• Flat organization with direct collaboration with leadership and a focus on growth and working through ambiguity.
• Equity, flexible paid time off, paid parental leave, and health coverage fully covered for employees and 75% covered for dependents.
• 401(k) program and remote-work support through a home office stipend plus internet and phone reimbursement.
• Participation in a 24/7 on-call rotation is required for one week each month.

Hiring process

• Official recruitment communication comes from an @hirify.global.com email address or through Greenhouse; interviews are not conducted over text or chat apps.