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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 replacing financial guesswork with real visibility and transforming cash flow management from a stressor into a strategic tool. This role is crucial as the front door to Relay, making critical decisions on new business applications to ensure legitimate owners gain access quickly while preventing fraudulent actors.

Responsibilities

Review and decision new business applications end-to-end, including compliance checks, KYC/KYB, document verification, and fraud review.
Make and own approve/decline decisions by verifying signals, reviewing customer documentation, and assessing business activity.
Detect patterns indicative of fraud, such as synthetic identities, mismatched business profiles, altered documents, and inconsistent signals.
Document reviews clearly and completely for compliance purposes.
Suggest improvements to onboarding rules and controls, identifying false positives and gaps, and providing recommendations to Risk Strategy.
Balance risk prevention with customer experience to minimize friction for legitimate businesses.
Utilize AI tools daily for faster investigation, data retrieval, and workflow enhancement.

Requirements

Strong judgment with the ability to make sound decisions based on incomplete information and explain reasoning.
Problem-solving skills with high agency and a proactive approach to identifying and implementing solutions.
Ability to sustain high output in repetitive queue work and generate improvement ideas from these tasks.
Actively using AI tools with a concrete example of their application.
Comfort with ambiguity and making judgment calls in grey-area situations.
Openness to feedback and ability to update thinking quickly.
Must be Toronto-based.
Open to one of two schedules: Wednesday–Sunday (remote weekend days) or Monday–Friday, 1:00pm–9:00pm ET.
Offers of employment are conditional upon a successful background check and employment verification.

Skills

AI tools
Risk assessment
Decision making
Problem solving
Communication

Location

Toronto

Work Type

Hybrid

Experience Level

Entry-level
New grads

Education Level

Degree not specified
Certification not specified

Salary/Compensations

$61,200 CAD to $74,800 CAD
Typical starting salary: $68,000 CAD

Benefits

Perks and benefits information available on Candidate Hub

About the Company

Relay is a digital banking platform focused on empowering self-made business owners with financial tools and knowledge.
Our mission is to increase the success rate of small businesses by providing visibility and transforming cash flow management.
We are building an all-in-one, collaborative money management platform for employer SMBs and their finance functions.
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, complexity, and feedback.
We encourage applications from individuals with diverse backgrounds who think critically and challenge the status quo.

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.