Senior Fraud Analyst

2 weeks ago

Berkeley Street Toronto Ontario Canada MA J Open Career Full time
At Chexy, we're reshaping the way money moves - making payments smarter, faster, and more rewarding. We started by being the first in Canada to let people pay their biggest and most painful bills with credit cards and earn rewards on money they had to spend anyway. Now, we're on a much bigger mission: to build a super app that acts as your co-pilot for all your money—helping you get more value from every dollar you spend. As a high-growth fintech startup, we're at the forefront of payments innovation, and we're looking for hungry, ambitious people to help us scale. If you thrive in a fast-moving, high-energy environment and want to be part of something big, we'd love to work with you.
The Role We're looking for a sharp, high-ownership Operations & Fraud Analyst to serve as a key guardian of Chexy's financial ecosystem. This is a full-time, onsite position (5 days a week) at our Toronto office, serving as our operational "Nerve Center." We believe that staying ahead of modern fraud requires the kind of real-time, side-by-side collaboration and rapid decision-making that only happens when we're in the same room. In this role, you will initially own the end-to-end Fraud Operations experience—analyzing real-time transaction patterns and building the playbooks for our dispute and chargeback lifecycle. This deep-dive phase is designed to give you an elite, "Source of Truth" understanding of our users and data. As you master our financial plumbing, you will expand your impact across Payments and Compliance, using SQL and data-driven insights to design the workflows and automation that will allow Chexy to scale. You won't just be following processes; you'll be building the operational standards that protect our revenue and ensure a seamless experience for every renter on our platform. Key Responsibilities
  • Fraud Mitigation & Chargeback Management: Monitor real-time transaction flows to identify and intercept fraudulent activity. You will take full ownership of the chargeback lifecycle, including investigating disputed transactions, preparing representment evidence, and implementing strategies to improve recovery rates.
  • Behavioral Analysis: Conduct deep-dive investigations into sophisticated "gaming" behaviors and churn patterns to distinguish between legitimate power-users and those attempting to exploit rewards systems.
  • Data Visualization: Design and maintain comprehensive dashboards in Power BI to track critical KPIs related to fraud prevention, chargeback ratios, and operational efficiency.
  • Operational Automation: Utilize SQL and Python to automate manual workflows, ensuring our operations remain lean and scalable as our user base grows.
  • Cross-Functional Rotation: Transition across departments to conduct root-cause analysis on operational bottlenecks and implement structural improvements in payment processing and customer support.
Qualifications
  • Technical Command: Advanced SQL skills are a must. You should be comfortable navigating complex, multi-layered databases to extract the "story" behind the numbers. You don't just run queries; you build them to be efficient and scalable (a technical assessment will be part of the process).
  • The Analytical Edge: You possess an exceptional "sixth sense" for identifying anomalies within large datasets. You have a proven track record of spotting sophisticated gaming behaviors and fraud trends before they impact the bottom line.
  • Data Storytelling: Strong experience with Power BI (or similar BI tools) to transform raw data into executive-level dashboards. You know how to distill complex financial movements into clear, actionable KPIs for our leadership team.
  • Technical Literacy: Familiarity with Python for data manipulation or workflow automation is highly preferred. We value candidates who look for ways to replace manual "busy work" with elegant, automated solutions.
  • Academic Background: A degree in Data Analytics, Finance, Computer Engineering, or a related field. You have the theoretical foundation to back up your practical experience.
  • Experience & Grit: You bring 2–4 years of experience navigating the high-speed world of fintech or startups. You've "seen the movie before" when it comes to fraud cycles and regulatory hurdles, and you're ready to hit the ground running on Day 1.
  • Strategic Communication: You can bridge the gap between technical data and human impact. Whether you're explaining a SQL-driven investigation to our CEO or a compliance hold to a user, you communicate with clarity, precision, and a bit of "Chexy" wit.


Why Join Chexy?
  • Collaborate with the Best: Work alongside an extra-talented team of specialists who live and breathe fintech. You will be mentored by professionals passionate about redefining the future of payments, offering a steep learning curve and unparalleled industry insights.
  • Strategic Impact: You will play a direct role in protecting the company's bottom line by developing the logic that prevents financial loss and manages revenue recovery.
  • Innovation-First Culture: Work in an environment that prioritizes automation and modern data stacks (Snowflake/Python) over manual entry.
  • The "Chexy" Edge: We treat our fraud detection like a high-stakes strategy game. If you have the competitive spirit to stay one step ahead of the "gamers" and bad actors while working with a team that is as hilarious as they are brilliant, you'll find your tribe here.
  • The "Chexy" Vibe: We're a high-performance team that actually likes each other. Expect a culture where we debate SQL optimization with the same passion we use to pick a lunch spot. We're fast, we're ambitious, and we have zero tolerance for "corporate boredom." If you want to work with people who are as witty as they are technical, you've found your home.

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