Risk Analyst

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.

Relay is entering an exciting new chapter of growth. We’re expanding our Risk team and looking for a customer-focused problem solver to join as a Risk Analyst
. In this role, you'll be instrumental in protecting Relay and our customers from potential fraud risks. As a key member of a high-impact team, you’ll have the opportunity to help shape new processes, safeguard Relay users, and champion the success of SMBs. Joining Relay means an opportunity to make a huge impact in building solutions with the potential to reach 29 million small businesses across North America.

If you thrive on growth and solving real customer problems, we want to hear from you!

Please note:

We are a hybrid environment and choose to collaborate in the office three times a week. We are looking for people who have flexibility and are open to working Canada/US statutory holidays.

• Perform regular risk assessments to understand the potential risks that could impact the financial and operational health of the business
• Analyze data to identify patterns and trends that could suggest future risks
• Collaborate with internal teams and external customers to develop and implement risk mitigation strategies
• Prepare risk management and postmortem reports for internal stakeholders
• Maintain an up-to-date understanding of industry trends, developments in the fintech space, and changes in regulations that could impact the company's risk profile
• Assist with the development and implementation of risk management policies and protocols
• Contribute to the development of risk models for new products and services

• You have 2+ years of experience in risk management, preferably within the fintech or banking industry
• You have strong analytical skills with the ability to collect, organize, analyze, and accurately disseminate large amounts of information with attention to detail
• You understand financial principles and risk management practices
• You’re proficient in risk assessment and prediction software
• You are naturally curious, you love to understand the “why” behind a problem or question and aren’t afraid to dig deep into problem-solving
• You have outstanding written and verbal communication skills, with the ability to convey complex ideas clearly and effectively
• You have the ability to rise to a challenge; you can handle change, conflict management, and uncertainty at times

• You’re familiar with fraud tools such as CRM, transaction monitoring, device intelligence, etc.
• You have prior experience in B2B SaaS, fintech or a neobank
• Research shows that women-identifying and other marginalized individuals tend to only apply when they meet 100% of the qualifications; if you don't have all the listed qualifications, we encourage you to apply anyway!

• Competitive salary and meaningful equity:
  Relay employees are Relay owners, complete with equity and a competitive salary.
• Comprehensive health benefits: enjoy full health benefits from day one. We offer flexible Health or Wellness Spending Accounts and medical, dental, and vision coverage for you and your dependents.
• Flexible vacation and time off: every team member starts with 15 vacation days and 5 flex days to use as needed, plus an extra week of office closure during the end-of-year holidays so you can take time off to recharge and come back better for our customers.
• Parental leave with top-up: we offer 12 weeks off with a 100% salary top-up for all full-time employees, regardless of location, and accessible for all parents: birthing, non-birthing, and adoptive.
• Hybrid work environment: we value meaningful collaboration and connection at our Toronto office three times a week, with lunch, snacks, and beverages on us.
• Dog-friendly…