Highnote · 13 hours ago
Payment Analytics Engineer
United States
Full-time
Remote
Senior Level, Lead/Staff
$170K/yr - $220K/yr
8+ years expHighnote is an embedded finance company focused on modern card platform management. The Payment Analytics Engineer will ensure data consistency across the payment lifecycle, optimize revenue through interchange analysis, and automate reporting processes to comply with regulatory standards.
FinTechPaymentsInformation TechnologyCredit CardsTransaction Processing
Responsibilities
Decipher & Map Specifications: Translate dense card network jargon into Highnote-specific event codes and logic
Automate Periodic Reporting: Own the end-to-end automation of quarterly network reporting and validation, ensuring submissions meet strict compliance standards with evolving requirements
Point-in-Time Integrity: Architect systems to maintain rigorous point-in-time snapshots, ensuring data quality over time
Logic Lifecycle Management: Proactively track and incorporate quarterly network specification changes to prevent reporting gaps or inaccuracies
Interchange Optimization: Analyze transaction-level data to identify revenue leakage or downgrades where transactions failed to qualify for optimal interchange rates
Granular Attribution: Build models to attribute complex network assessment fees and interchange revenue and costs back to specific customers, bin ranges, and product types
Fee Validation: Perform deep-dives into network invoices to ensure Highnote is receiving all eligible incentives and that customer billing accurately reflects network costs
Network Pricing Scenarios: Model the financial impact of bi-annual network fee updates and pricing changes, allowing the business to adjust strategies before changes go live
Product vs. Cost Comparisons: Conduct deep-dive analyses comparing the financial impact of different interchange qualifications to quantify product development efforts
Margin Impact Analysis: Evaluate how specific network rule changes affect overall margin and product profitability
Upstream Logic Migration: Partner with core Engineering to migrate complex financial logic from downstream dashboards into upstream denormalized tables and User Defined Functions (UDFs)
Dynamic Data Modeling: Design and optimize SQL/NoSQL structures that handle high-volume transactional data and automate bin-range table updates
Qualification
Required
8+ years in data engineering, analytics, or reporting; with 5+ years of experience in Payments and Fintech
Deep knowledge of payment domains, specifically card network file structures and specifications, fund movement, and interchange qualifications
Expertise in SQL and Python (or Java) for building data processing jobs and automating complex reporting workflows
Proven ability to model data structures that ensure scalability and performance in high-volume environments
A zero error mindset with the ability to document and maintain workflows to support the reliability of reporting and analytics systems
A background in Accounting or Finance, either through formal education or professional experience, to support complex financial data tracking
Preferred
Experience with cloud platforms such as GCP or AWS
Knowledge of ETL/ELT pipelines and the transformation of raw data into business-ready formats
Experience applying data visualization best practices to design impactful, actionable dashboards using tools like Tableau, Looker, Looker Studio, or something similar
Benefits
Flexible Paid Time Off
100% healthcare coverage + 75% coverage for dependents
401k program
Paid Parental Leave: Up to 16 weeks paid leave for the birth parent, and up to 6 weeks paid leave for the non-birth parent
Equity in Highnote
Stipend to build out your home office; internet reimbursement
Company
Highnote
Highnote is an embedded finance company that develops a virtual payment platform to handle payment processing business flows.
51-200 employees
H1B Sponsorship
Highnote has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (16)
2024 (6)
2023 (6)
2022 (9)
Funding
Current Stage
Growth StageTotal Funding
$213.07MKey Investors
Adams Street Partners,Omega Venture PartnersCostanoa Ventures,Oak HC/FTOak HC/FT
2025-01-21Series B· $109M
2022-06-18Convertible Note· $25M
2021-12-01Convertible Note· $25M
Leadership Team
John MacIlwaine
Chief Executive Officer
Kin Kee
Co-Founder and CTO
Recent News
2025-12-24
FX News Group
2025-12-17
Crowdfund Insider
2025-12-17
Company data provided by crunchbase