Risk Analyst

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 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!

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!

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 video call with a member of the Talent team
• Stage 2: A 45-minute Google Meets video call with the Manager of Risk
• Stage 3: A take-home assignment 
• Stage 4: A 30-minute Google Meets video call with a member of the Leadership team

What’s Important to Us:

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 we 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 People Team contact, and we will work with you to meet your needs.