Fraud & Msb Analyst

3 weeks ago

Toronto, Canada Float Financial Solutions Inc. Full time

About Float

Float is one of Canada’s fastest growing companies, serving Canadian businesses with our innovative smart corporate card and spend management solution. Float’s team is customer-obsessed, passionate, vibrant, and entrepreneurial, and includes executives from Uber, Shopify, Ritual, and many other incredible tech companies

At Float, everyone is an owner, bringing their unique perspective to our team and product. Your voice is important, and we take having a culture based on feedback seriously. We openly share our thoughts, feedback, and differing opinions so we can continue to improve. We do our best to keep our decision making decentralized so that all team members contribute.

Our product

Float empowers companies and teams with smart financial products, helping them achieve their most ambitious goals. We’re making finance more accessible and saving companies and their teams time and money, while disrupting the multi-trillion dollar global B2B finance industry. Backed by some of the best venture capital investors in the world, including Tiger Global, Golden Ventures, and Susa Ventures, we’re looking for pioneers to help us achieve our vision.

About the Fraud & MSB Analyst role

We are looking for a Fraud & MSB Analyst to identify and investigate behaviors and spend patterns on our high-growth card program, collaborate with cross-functional teams and our customers, and to join our high-growth Risk team.

**Job Description: Fraud & MSB Analyst**:
Position Overview:
As a Fraud & MSB Analyst in our Payments & Financial Services group, you will support the Risk team by monitoring alerts, engaging with and educating our customers, and providing suggestions and feedback to improve risk processes.

Key Responsibilities:

- Fraud Support:

- Monitor and respond to day-to-day alerts and queues related to fraud prevention, investigations, and dispute processing.
- Assess current and future controls, identifying impacts to customers, revenue, or losses through data analysis and modelling.
- Contribute to the continuous design and development of our fraud detection models and systems.
- Analysis:

- Understand various fraud patterns affecting Float, analyze trends and provide data-driven solutions.
- Define actions to mitigate fraud while balancing a positive customer experience.
- Automation and Improvement:

- Proactively seek opportunities to enhance efficiency through automation.
- Case Investigations:

- Monitor and analyze information from various tools, reports, and documentation to make informed decisions.
- Stakeholder Engagement:

- Build trust with customers and internal teams through excellent customer experience and fraud education.
- Industry Knowledge:

- Stay informed about fraud and AML trends and relevant regulations to help maintain a best-in-class risk program.
- Education:

- Collaborate with different teams to provide education and feedback on improving the fraud program and assist with AML program implementation.
- AML Reporting:

- Escalate cases to risk managers for potential reporting to FINTRAC.
- Special Projects:

- Participate in special projects as required.

**Requirements**:
Qualifications:

- Experience:

- 2+ years in fraud detection, investigations, or credit card dispute management.
- Experience designing and implementing control frameworks based on user and product risk profiles.
- Proficient in analyzing transactional data from networks (Mastercard/Visa) to develop and refine fraud rules and models.
- Familiarity with fraud prevention platforms and knowledge of fraud risks associated with payments and banking.
- Customer Focus:

- Experience handling difficult situations with empathy and a focus on delivering the best customer outcomes.
- Data-Driven Decision Making:

- Ability to assess risk and take action based on various data sources and documentation.
- Proficiency in SQL, with strong reporting and data presentation skills.
- Continuous Learning:

- Eager to learn and understand the 'why' behind answers. Adaptable and proactive in learning new tools and approaches.
- Creative Problem Solving:

- Enjoys finding innovative solutions to overcome obstacles.
- Collaboration:

- Enthusiastic about working with sales, support, and product teams to enhance customer experience and improve the fraud program.
- Market Understanding:

- Experience in the banking sector with an understanding of fraud trends.
- Bonus: Experience with credit card disputes.
- Vendor and Relationship Management:

- Comfortable working with third-party vendors to optimize the use of fraud prevention tools.

You will thrive in this role if you bring a mix of analytical skills, customer focus, creativity, and collaboration, along with a strong understanding of fraud risks and prevention strategies.
- This role won’t be a fit if:

- You are not a self-starter and do not like to work independently
- You aren’t obsessed with your craft
- You don’t like ambiguity
- You don’t like regula

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