Senior operational risk advisor developing fraud controls, policies, and strategic initiatives. Advising Desjardins, North America's largest cooperative financial group, on complex risk matters.
About the role
- Decision Scientist optimizing Plooto’s payment risk decisioning through SQL, Python, experimentation, and segmentation. Reducing manual reviews and customer friction while maintaining payment-loss performance.
Responsibilities
- Monitor and analyze payment risk rules, thresholds, and manual-review strategies
- Analyze transaction and customer data to identify drivers of false positives and unnecessary manual reviews
- Develop and evaluate customer and transaction risk segments to improve decision precision
- Identify and recommend changes to risk rules and thresholds within established risk and loss parameters
- Design and evaluate experiments for new risk features, rules, and decision strategies
- Investigate fraud and payment-risk patterns and translate findings into practical recommendations
- Measure the impact of risk changes across review rates, losses, customer friction, payment delays, and operational workload
- Build and maintain recurring monitoring and reporting for risk performance and emerging issues
- Partner with Risk Operations to identify automation and process-improvement opportunities
- Use AI and automation tools to accelerate analysis, monitoring, and experimentation
Requirements
- 2–3 years of relevant experience in risk analytics, fraud strategy, payments risk, decision science, or a related quantitative role
- Strong SQL skills, including experience analyzing large transactional datasets
- Strong Python skills for analysis, experimentation, automation, and monitoring
- Experience working with risk rules, machine learning models, segmentation, fraud signals, or decision strategies
- Strong understanding of false positives, precision/recall, threshold optimization, experimentation, and risk-based decisioning
- Ability to evaluate trade-offs between customer friction and financial loss within established risk parameters
- Strong analytical judgment and comfort working with imperfect or incomplete data
- Ability to translate complex analysis into clear, practical recommendations
- Comfortable working independently on defined problems and collaborating with cross-functional partners
Benefits
- Accommodation available throughout the recruitment process in accordance with applicable accessibility legislation
- Inclusive workplace commitment
- Opportunity to shape recruiting strategy, influence leaders, experiment with AI-native ways of working, and build lasting hiring practices
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