Risk Analyst
$73k - $89k USD
Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.
Relay is entering an exciting new chapter of growth. We’re expanding our Risk team and looking for a customer-focused problem solver to join as a Risk Analyst. In this role, you'll be instrumental in protecting Relay and our customers from potential fraud risks. As a key member of a high-impact team, you’ll have the opportunity to help shape new processes, safeguard Relay users, and champion the success of SMBs.
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: We are a hybrid environment and choose to collaborate in the office three times a week. We are looking for people who have flexibility and are open to working Canada/US statutory holidays.
What You'll Be Doing
Perform regular risk assessments to understand the potential risks that could impact the financial and operational health of the business
Analyze data to identify patterns and trends that could suggest future risks
Collaborate with internal teams and external customers to develop and implement risk mitigation strategies
Prepare risk management and postmortem reports for internal stakeholders
Maintain an up-to-date understanding of industry trends, developments in the fintech space, and changes in regulations that could impact the company's risk profile
Assist with the development and implementation of risk management policies and protocols
Contribute to the development of risk models for new products and services
Who You Are
You have 2+ years of experience in risk management, preferably within the fintech or banking industry
You have strong analytical skills with the ability to collect, organize, analyze, and accurately disseminate large amounts of information with attention to detail
You understand financial principles and risk management practices
You’re proficient in risk assessment and prediction software
You are naturally curious, you love to understand the “why” behind a problem or question and aren’t afraid to dig deep into problem-solving
You have outstanding written and verbal communication skills, with the ability to convey complex ideas clearly and effectively
You have the ability to rise to a challenge; you can handle change, conflict management, and uncertainty at times
Bonus Points
You’re familiar with fraud tools such as CRM, transaction monitoring, device intelligence, etc.
You have prior experience in B2B SaaS, fintech or a neobank
Research shows that women-identifying and other marginalized individuals tend to only apply when they meet 100% of the qualifications; if you don't have all the listed qualifications, we encourage you to apply anyway!
The Interview Process
Stage 1: A 30-minute Google Meets video call with a member of the Talent team
Stage 2: A 60-minute Google Meets video call with the Manager of Risk
Stage 3: A take-home assignment
Stage 4: A 45-minute in-person interview with a member of the Leadership team
Our Compensation Approach
We believe Relayers should feel rewarded for the impact they have on our mission and growth. Compensation follows impact. As impact increases, compensation grows, and we do not limit compensation changes to a once-a-year review cycle.
The annual salary range for this role is $72,900 - $89,100 CAD.
For candidates who demonstrate full readiness for the defined scope of the role, the typical starting salary is $81,000 CAD. Offers below this point reflect candidates we believe can grow into the full scope of the role with support and development. Offers above this point reflect impact that meaningfully exceeds the role’s defined expectations or an expanded scope from day one.
We encourage you to have a conversation with your recruiter and ask questions about compensation throughout the hiring process. For more information on our compensation philosophy and perks and benefits, visit our Candidate Hub.
Why Relay Might Be the Perfect Fit For You
You push relentlessly for reinvention: You’re built to constantly ask, “How can this be better?” Change excites you and you drive it.
You crave autonomy: We trust our team with big challenges and the freedom to solve them. If you’re someone who takes initiative, is comfortable taking risks, and seeks input when needed, you’ll find the freedom here empowering.
You own your work: You take pride in your work, follow through on commitments, and feel a deep sense of responsibility for outcomes, not just tasks.
You treat comfort as a red flag: You seek growth. When things feel too comfortable, you lean into change. You’re excited about stepping into the unknown and navigating new terrain to create something better alongside your team.
You care about impact, not noise: You care deeply about the substance of your work. You measure success by results, not recognition and you let your work speak for itself.
You’re energized by complexity and ambiguity: You enjoy tackling problems that don’t come with a playbook. You’re comfortable building from scratch, iterating as you go, and collaborating to shape the best path forward.
You seek out feedback: We value directness, clarity, and respect. We believe honesty fuels great work and career growth. You see feedback as a tool for learning and improvement, and you know that open, honest dialogue is key to achieving the best results — together.
You’re here for more than a job: At Relay, everything we do is in service of our mission to help small businesses thrive. To drive impact and have purpose here, that mission must matter to you too.
What’s Important to Us
Research shows that women-identifying and other marginalized individuals often apply only if they meet 100% of the qualifications. But no one is a perfect match on paper. If this role excites you, we’d love to hear from you and figure out together if it’s a great fit.
At Relay, we believe that diversity is key to building high-performing teams, and creating an inclusive work environment is our priority. We are an equal opportunity employer and welcome people of diverse backgrounds, perspectives, and skills.
We will work with applicants to provide accommodations at any stage of the hiring process. If you require accommodations during the interview process, please email your Talent Partner, and we will work with you to meet your needs.
Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check & employment verification through Certn.