Fraud & MSB Analyst

1 week ago

Toronto, Canada Float Financial Solutions Inc. Full time

About Float

Float is on a mission to simplify finance for Canadian businesses, empowering them to eliminate complexity and unlock new opportunities. Through our innovative platform, Float enables businesses to streamline spending and optimize cash flow, so they can focus on what matters most: growth. As one of Canada’s fastest growing companies and top-rated startups in 2024 and 2023, Float is customer-obsessed, passionate, and entrepreneurial, with a team that includes leaders from Uber, Shopify, Top Hat, Ritual, Ada, and more.

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 and differing opinions so we can continue to improve. We do our best to keep our decision-making decentralized so that all team members feel ownership in our success.

Our product

Float is Canada’s first finance platform designed to empower businesses with fast, flexible, and accessible financial solutions. Our integrated suite of products—including corporate cards, bill pay, reimbursements, and financial services—rethinks how companies access capital, streamline spending, and manage growth. Backed by world-class investors like Tiger Global, Golden Ventures, and Susa Ventures, we’re disrupting the global B2B finance space—and we’re looking for bold innovators to help shape the future of business finance.

 

About the Fraud & MSB Analyst role

We are looking for a Fraud & MSB Analyst to identify and investigate behaviours 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

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 regular feedback on your work
  • You prefer stability over change
  • You aren’t comfortable prioritizing your own to-do list
  • You don’t have a very strong work ethic
  • You aren't a team player
  • You aren’t resilient
  • You have an ego

Don’t meet every single requirement?  If you’re excited about this role, and you strongly align with our values but your past experience doesn’t align perfectly, we encourage you to apply anyway. You may be the right candidate for this, or other future positions.

Benefits

... and Perks of working at Float:

  • Competitive compensation & total rewards
  • Flexible work hours and time off‍ when you need to recharge
  • Small team = lots of autonomy to make impactful decisions
  • Opportunity to work with and learn from a world-class team
  • A personal Float card with a monthly stipend to spend on what matters most to you
  • A dog-friendly office
  • Being able to say you helped build Canada's best corporate card and spend management platform

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