Conseiller technique chez Promutuel Assurance, expert en audit et conformité des risques d’assurance des particuliers. Soutien aux analystes, formation et amélioration continue des processus.
About the role
- Risk Analyst monitoring merchant fraud, ACH, chargeback, and compliance risks for Canadian fintech Constellation Payments. Investigating cases, controlling bank changes, and strengthening portfolio risk operations.
Responsibilities
- Monitor merchant activity for fraud, compliance, reputational, operational, ACH, chargeback, and transaction-related risks
- Investigate flagged activity, including held transactions, large tickets, refunds, duplicate transactions, excessive authorizations/declines, suspicious processing behavior, and emerging risk trends
- Conduct merchant risk reviews and maintain complete case documentation in Salesforce
- Manage bank account change reviews, including validation, verification, approvals, system updates, quality control, and post-change monitoring
- Support merchant monitoring programs, including website reviews, LegitScript screenings, alert investigations, negative media reviews, sanctions screening, regulatory concerns, and prohibited activity reviews
- Perform enhanced due diligence and monitoring for high-risk industries, MCCs, NEC classifications, non-profits, firearms/ammunition merchants, and other restricted or sensitive categories
- Monitor chargeback, ACH, and NACHA-related activity, including return rates, unauthorized and administrative returns, recurring payments, thresholds, trend analysis, and remediation efforts
- Support periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation
- Maintain risk monitoring logs, investigation records, reporting dashboards, and tracking tools; prepare recurring reports
- Document investigations with findings, evidence, risk assessments, decisions, ownership, and recommended next steps
- Escalate critical fraud, compliance, sanctions, regulatory, or operational risks to leadership
- Support risk process improvements, reporting enhancements, underwriting initiatives, and operational projects
- Adapt to shifting priorities, procedures, risk controls, regulatory requirements, and business initiatives
- Take ownership of new responsibilities and support cross-functional projects
Requirements
- 1–3 years of experience in risk operations, underwriting, payment operations, fraud monitoring, banking operations, compliance operations, or a similar role
- Working understanding of payment processing workflows, merchant accounts, transaction monitoring, chargebacks, ACH returns, refunds, and risk flags
- Strong attention to detail and ability to validate documentation, identify inconsistencies, and maintain accurate case notes and trackers
- Ability to manage multiple open reviews, follow-ups, escalations, and time-sensitive cases simultaneously
- Strong written communication skills
- Comfort working with CRM/case management tools, spreadsheets, and operational trackers
- Ability to follow documented procedures while identifying gaps, control weaknesses, or process improvement opportunities
- Sound judgment, professionalism, and discretion when handling sensitive merchant, banking, fraud, and compliance information
- Ability to work cross-functionally with Risk, Underwriting, Onboarding, Merchant Support, Finance, Product, and partner-facing teams
- Working knowledge of ACH processing, NACHA Operating Rules, ACH return codes, unauthorized return thresholds, administrative returns, and ACH risk monitoring best practices
- Ability to investigate ACH-related risk indicators, including unusual return activity, account validation concerns, transaction anomalies, and merchant processing trends
- Preferred: experience in merchant acquiring, PayFac operations, fintech, payment risk, card-not-present environments, or payment gateway operations
- Preferred: familiarity with Payrix, Salesforce, Zift, Vantiv IQ, LegitScript, GIACT, Inscribe, or similar tools
- Experience reviewing bank change documentation, voided checks, bank letters, authorized signers, ownership matches, or account verification controls
- Experience reviewing chargebacks, ACH returns, transaction holds, duplicate transactions, excessive refunds, or large-ticket verification workflows
- Knowledge of MCC risk classification, high-risk industries, NEC classifications, prohibited merchant categories, and enhanced due diligence triggers
- Experience preparing risk reporting, KPI summaries, audit support documentation, or operational leadership updates
- Comfort working in a remote-first environment with strong follow-through, documentation discipline, and queue ownership
- Experience with ACH risk monitoring programs, NACHA compliance requirements, return rate management, and payment network rules
- Required pre-existing authorization to work in Canada; this role does not offer visa sponsorship
- Required ability to travel periodically for team meetings, training sessions, conferences, and other business-related activities
Benefits
- 100% remote-first work model
- Work from home or any approved location within the hiring country
- Periodic travel for team meetings, training sessions, conferences, and other business-related activities (2–3x per year)
- Accommodation support during the application process
- 40 scheduled weekly hours
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