Business Analyst, Risk Strategy

Our mission is to increase the success rate of small businesses. Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we’re changing that. Relay is the all-in-one, collaborative money management platform. We’re building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be ‘on the money'.

Relay is entering an exciting new chapter of growth. We’re looking for a **Business Analyst, Risk Strategy **to help us scale our Risk engine. This is a unique opportunity to play a role in mitigating Relay and our customers' exposure to fraud loss while maintaining a best-in-class customer experience.

Joining Relay means an opportunity to make a huge impact in building solutions with the potential to reach 29 million small businesses across North America. If you thrive on growth and solving real customer problems, we want to hear from you Please note that we are a hybrid environment and choose to collaborate in the office twice a week.

**What You'll Be Doing**:

- Analyze historical data to develop fraud rules to mitigate and prevent fraud losses to our business
- Work with third-party vendors to implement fraud rules and automation that strengthen our risk controls
- Monitor fraud trends and rule performance to identify gaps and vulnerabilities in our system
- Collaborate with Product, Data and Engineering teams to build new tools to enhance fraud mitigation

**Who You Are**:

- You have 2+ years of experience in fraud, risk, or a related field
- You have strong analytical and quantitative skills and enjoy using data to back up assumptions and make recommendations that drive decision making
- You love contributing to the development of a risk function, which may include things like process improvements, documentation, and developing standardized procedures
- You're highly collaborative and know how to connect the dots between teams, and manage cross-functional initiatives and deadlines
- You are a builder who is energized by working in a fast-paced, scrappy environment

**Bonus Points**:

- You have proficiency with Python
- You have experience implementing new fraud detection technology from a Product Manager point of view
- You’ve joined a company at its early stages and have seen it through scale
- You have experience working in a fintech startup

**Our Commitment To You**:

- **Competitive salary and meaningful equity**: Relay employees are Relay owners, complete with equity and a competitive salary.
- ** Comprehensive health benefits**: enjoy full health benefits from day one. We offer flexible Health or Wellness Spending Accounts and medical, dental, and vision coverage for you and your dependents.
- ** Flexible vacation and time off**: every team member starts with 15 vacation days and 5 flex days to use as needed, plus an extra week of office closure during the end-of-year holidays so you can take time off to recharge and come back better for our customers.
- ** Parental leave with top-up**: we offer 12 weeks off with a 100% salary top-up for all full-time employees, regardless of location, and accessible for all parents: birthing, non-birthing, and adoptive.
- ** Hybrid work environment**:we value meaningful collaboration and connection at our Toronto office twice a week, with lunch, snacks, and beverages on us.
- ** Dog-friendly space**:can dogs really make you happy and healthy? We don’t know for sure, but since we don’t want to chance it, our office is 100% floof-friendly.
- ** Personal and professional growth**: through ongoing feedback, mentorship, and coaching, work with peers and leaders who are invested in your growth and success.
- ** Top-tier equipment**:as a Mac-first company, our Toronto offices have everything you need to produce your best work comfortably, from multiple screens to ergonomic seating.
- ** Social connection**: we believe in celebrating our wins with two annual company-wide get-togethers, quarterly team events, happy hours, and special events and networking opportunities with industry leaders.

We’re driving real change for small business owners, powered by truly remarkable people. At Relay, you’ll find the confidence to take changes, trust to take initiative, and the support you need to build a career you love. Here, we make sure every team member feels empowered to make big decisions, encourage to ask tough questions, and challenged to take risks that result in work we’re all proud of. We give you the baton-you run the Relay.

**The Interview Process**:

- ** Stage 1**: A 30-minute Google Meets call with a member of the People team.
- ** Stage 2**: A 45-minute Google Meets video call with our Director of Risk Strategy
- ** Stage 3**: A take-home case study and writing sample on how you would approach solving a risk problem at Relay, followed by a 1-hour presentation of your solution to our team
- ** Stage