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About the Role

Relay is a digital banking platform designed to empower self-made business owners with financial clarity, confidence, and control. We aim to increase the success rate of small businesses by transforming cash flow management from a source of stress into a clear signal for running stronger businesses. The Transaction Monitoring team plays a crucial role in maintaining the trust of over 321,000 small business owners by making critical decisions on transactions.

Responsibilities

• Review and investigate suspicious activity across deposits, checks, wires, and card transactions.
• Make and own hold/release decisions on flagged transactions by verifying signals, checking details, and reviewing customer documentation.
• Detect patterns indicative of velocity abuse, profile mismatches, business email compromise, and altered items.
• Document investigations clearly and completely for compliance, bank partners, and examiners.
• Suggest improvements to fraud rules and controls, identifying false positives and gaps.
• Collaborate with Compliance, Customer Experience, and Product teams to resolve cases efficiently.
• Utilize AI tools daily for faster investigations, data retrieval, and process improvement.

Requirements

• 2+ years of transaction monitoring experience at a bank, fintech, or payments company.
• Experience making hold/release decisions, not just escalating them.
• Curious and investigative mindset, with a drive to understand the 'why' behind suspicious activity.
• Ability to make and stand behind decisions regarding transaction holds and releases.
• Problem-solving skills with high agency; proactively identify issues and propose solutions.
• Actively using AI tools in current work and enthusiasm for exploring their potential.
• Clear communication skills, with the ability to document findings and present them to various stakeholders.
• Comfortable working in a fast-paced environment with ambiguity and adapting to shifting fraud patterns.
• Growth mindset with a desire for continuous improvement and receptiveness to feedback.

Skills

• Transaction Monitoring
• AI Tools
• Risk Management
• Compliance
• Data Analysis
• Problem Solving
• Communication
• SQL
• Card and Disputes
• BSA/AML
• KYC/CIP

Location

• Remote

Work Type

• Full-time

Experience Level

• 2+ years

Education Level

• Certification (CAMS, CFE, or equivalent) is a plus.

Salary/Compensations

• CAD 72,900 - 89,100

Benefits

• Compensation follows impact, with potential for increases outside of annual reviews.
• Perks and benefits available via Candidate Hub.

About the Company

• Relay is a digital banking platform focused on providing self-made business owners with financial tools and knowledge.
• Our mission is to increase the success rate of small businesses by offering an all-in-one, collaborative money management platform.
• We are building for employer SMBs and their finance functions, prioritizing a human-centric customer experience.
• Relay processes millions of dollars in transactions daily and is trusted by over 321,000 small business owners.
• We value reinvention, autonomy, ownership, AI integration, impact-driven work, embracing complexity, and seeking feedback.
• We encourage applications from individuals with diverse backgrounds who challenge the status quo and want to help small businesses thrive.

Equal Opportunity

• We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive.
• If you require accommodations at any stage of the hiring process, please reach out to your Talent Partner.