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About the Role
The Fraud Analyst protects Vault Credit from fraud losses by verifying the authenticity of customers, documents, equipment, and premises. This role involves remote and third-party inspections, document and identity forensics, and supporting the company's AML/KYC compliance program.
Responsibilities
- Initiate and review remote or third-party equipment and premises inspections to confirm asset existence, documentation match, and location.
- Coordinate with third-party inspection providers, review their reports, and document/escalate discrepancies.
- Maintain inspection records and photographic evidence to audit standards.
- Review high-risk documentation for potential fraud, including unusual transaction structures, unverifiable suppliers, or inconsistent business information.
- Identify red flags, recommend additional verification steps, and report conclusions to underwriting and management.
- Review government-issued IDs, bank statements, and other customer information for signs of tampering or fabrication.
- Cross-check customer data against independent and third-party sources.
- Record outcomes and escalate suspected fraud according to company procedures.
- Assist in the oversight and implementation of the company's AML/KYC compliance program.
- Review and verify identification requirements and screening results (sanctions, PEPs, adverse media), resolving or escalating matches.
- Support record-keeping, internal testing, and updates to AML/KYC procedures.
- Investigate suspected fraud cases, document findings, and record key takeaways, including root causes and control gaps.
- Prepare required FINTRAC reports, such as suspicious transaction reports, within regulatory timelines.
- Track and report metrics on fraud attempts, confirmed fraud losses, and fraud prevented.
- Monitor fraud trends and emerging schemes, updating red-flag guidance and procedures.
- Train other staff on fraud and AML/KYC best practices.
- Assist the Director, Credit in completing monthly reviews and audits for compliance.
- Review defaulted files to identify trends and recommend improvements to underwriting guidelines.
- Maintain the company's external rate cards and ensure deal compliance.
- Support the syndications team in securing approvals and funding transactions with partner lenders.
- Perform other related duties as assigned.
Requirements
- Post-secondary education in business, finance, criminology, law, or a related field, or equivalent experience.
- Strong analytical skills and curiosity about fraud schemes.
- Familiarity with Canadian AML/KYC requirements, including the PCMLTFA and FINTRAC guidance.
- Demonstrated ability to detect altered or forged documents and inconsistent data.
- Strong written communication skills for clear and defensible documentation of findings.
- Sound judgment, attention to detail, and discretion with confidential information.
- Ability to work independently and coordinate with external providers remotely.
- Equipment finance or leasing experience (preferred).
- Experience in fraud prevention, credit risk, compliance, investigations, or financial services (preferred).
- Experience with sanctions and PEP screening tools and identity verification platforms (preferred).
- Proficiency with Microsoft Office and case-management systems (preferred).
Skills
- Analytical skills
- Fraud detection
- Document verification
- Identity verification
- AML/KYC compliance
- FINTRAC reporting
- Written communication
- Attention to detail
- Independent work
- Remote coordination
- Microsoft Office proficiency
- Case-management systems proficiency
Location
- Remote
- Hybrid (GTA)
Work Type
- Full-time
- Salaried
- Remote
- Hybrid
Experience Level
- Entry-level (equivalent experience considered)
- Preferred experience in fraud prevention, credit risk, compliance, investigations, or financial services
Education Level
- Post-secondary education in business, finance, criminology, law, or a related field
About the Company
- Vault Credit is committed to an inclusive workplace.
Equal Opportunity
- Provides accommodation during the hiring process on request.