Bilingual Credit Analyst

Your Moneris Career - The Opportunity

You will perform various forms of credit-based analysis on existing and prospective merchants, reviewing merchants that trigger in the Fraud queue for out-of-pattern processing, decision the release of funds held, and customer service to merchants on all re-adjudication-related issues.

Location: You will be based in our Toronto office, balancing in-office collaboration with remote flexibility.

Reporting Relationship: You will report to the Manager, Credit - SMB Re-Adjudication.

Your Moneris Career - What you'll do

• Apply appropriate underwriting criteria to all merchant applications following established credit policy to ensure financial risk is mitigated.

• Post-review of merchants who are in need of a line increase or are flagged by fraud process (re-adjudication) specifically in processing volume level or average transaction size

• Responding to Re-Adjudication inquiries from merchants, Fraud containment staff and other Moneris departments; ensuring that merchants are kept apprised of the Re-Adjudication process and given status updates

• Perform a credit risk assessment of an existing high-risk merchant which includes developing a good understanding of the business profile to ensure compliance with credit, fraud, card association regulation and legal matters

• Analyzing personal, business and financial information, ensuring all risks are mitigated.

• Work with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities.

• Help with customer calls for complex merchant set-ups requiring explanation of specific credit policies and decisions related to those policies.

• Work with Moneris Fraud Group to monitor the activity of selected High-Risk Merchants.

• Provide back up and support to the other Analysts, with respect to the SMB Credit process, special projects, vacation relief, and peak time volume.

• Comply with corporate policies established by Moneris Corporation including the HR Code ofConduct, Technology Policy & Privacy Policy

• Perform other responsibilities, as required

Your Moneris Career - What you bring

• Must-have experience, knowledge, skills & abilities

• 3+ years of experience in a related field

• Bachelor's Degree or equivalent in Business, Accounting, or Finance

• Must be fluent in French and English

• Equivalent work experience may be considered a substitution

• Experience reviewing personal credit bureaus, commercial credit bureaus and financial statement analysis

• Previous experience in the payment industry considered an asset

• Technical Skills: Proficient in Microsoft Windows/ MS Office Applications

• Excellent verbal and written communication skills

• Strong analytical skills with a demonstrated attention to detail,must have excellent organizational and time management skills

• Capability to "think outside of the box"

• Strong business acumen

Your Moneris Career - What you get

At Moneris, we believe in empowering you to succeed—personally and professionally. As part of our team, you'll have access to resources, opportunities, and an inclusive environment that supports your development and career.

• Comprehensive Total Rewards Program, including performance-based bonuses, flexible benefits starting from day one, and your choice of a health spending account (HSA) or personal spending account (PSA)

• Retirement planning support, with profit-sharing programs including company match and a defined contribution pension plan

• Growth & development opportunities, including unlimited access to Coursera, mentorship programs, and an internal gig marketplace

• Holistic wellness support, with an Employee & Family Assistance Program, 24/7 virtual healthcare, and workplace wellness initiatives

• Flexibility that works for you, including hybrid work arrangements, a Work from Abroad program, and paid time off programs

• Recognition and rewards, with company-wide recognition programs, exclusive banking perks from RBC & BMO, and access to great employee discounts

Find out more about the work perks and benefits you get as a Moneris employee at

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Note: We welcome and encourage applications from Indigenous peoples, people of colour, people with disabilities, people of all genders, sexual orientation and intersectional identities.

We acknowledge that people from equity-deserving groups (including racialized individuals, women, gender diverse individuals, individuals with disabilities, neurodivergent individuals, members of 2SLGBTQIA+ communities and those born outside of Canada) are less likely to apply for jobs unless they feel they meet all the requirements posted. At Moneris, we believe candidates bring experience to their work in many ways. We encourage you to apply and share, in the application form, the transferrable experience you bring, and how this will support your success in this role.