Credit Risk Specialist

Found in: Adzuna CA C2 - 2 weeks ago

Canada, CA TCAE Full time

Our client is a leader in payment innovation and looking for a top talent to join them as an AML & Credit Risk Specialist.


The role is full time and onsite based in Vancouver.



Job Description


As a Counterparty Risk and Merchant Underwriting Specialist, you will play a crucial role in evaluating and mitigating risks associated with counterparties and merchants, safeguarding the financial integrity of the institution. You will be responsible for:


Counterparty Risk Assessment:


• Conducting thorough analyses of counterparties' financial health, creditworthiness, and overall risk exposure.

• Assessing and quantifying potential risks associated with counterparties, ensuring compliance with regulatory standards and internal risk policies.

Merchant Underwriting:


• Evaluating merchant applications and assessing the risk level associated with onboarding new merchants.

• Conducting comprehensive risk assessments to determine the financial stability, business practices, and potential risks related to merchants' operations.

Risk Mitigation Strategies:


• Developing and implementing risk mitigation strategies and recommending risk management measures to minimize exposure to potential financial losses.

• Collaborating with internal stakeholders to devise effective risk mitigation plans.

Monitoring and Reporting:


• Continuously monitoring the performance of counterparties and merchants, identifying emerging risks, and promptly escalating concerns to relevant stakeholders.

• Generating regular reports on risk exposure and providing insights for decision-making purposes.

Compliance and Documentation:


• Ensuring compliance with regulatory requirements and internal policies pertaining to counterparty risk and merchant underwriting.

• Maintaining accurate documentation of assessments, decisions, and risk-related information.

Cross-functional Collaboration:


• Collaborating with internal teams such as compliance, legal, finance, and operations to streamline processes, improve risk assessment methodologies, and contribute to overall risk management strategies.

Qualifications and Skills


● 4+ years of experience in AML & risk management, specifically in counterparty risk assessment and merchant underwriting within the financial industry.


● Bachelor's degree in Finance, Economics, Business Administration, or related field.


● Relevant certification (e.g., CAMS, CFCS, FRM, CFA) or progress towards is desirable.


● In-depth understanding of relevant business operations, merchant account compliance and underwriting guidelines.


● Experience and knowledge of merchant risk management best practices and tools (including data/credit bureau products) for business entity verification and credit management, with a proven ability to distill into repeatable, scalable processes.


● A fundamental understanding of client onboarding and ongoing monitoring, preferably within the payments industry.


● Strong knowledge of accounting principles and comfort evaluating financial statements and business models across various industries.


● The ability to transform business and financial data into a cohesive narrative that outlines potential operational and credit risks and presents dynamic mitigation strategies.


● Ability to think critically about complex problems, appropriately weigh many factors and reach a definitive recommendation.


● Proficiency in utilizing risk assessment tools, financial databases, and analytical software.


● Strong time-management and organizational skills.


● Ability to learn and adapt to new technology.

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