Fraud & Compliance Analyst

The Role

1. Fraud & Compliance Operations
2. Credit Card Fraud & Dispute Management

Key Responsibilities

• Data-Driven Monitoring: conduct daily reviews of user accounts and payment transactions, using basic SQL to pull custom reports and identify suspicious patterns like identity theft or account takeovers before they escalate
• The Investigative Deep-Dive: lead investigations into flagged activity, document findings, and build the case files that keep our ecosystem clean
• Compliance Analytics: assist in preparing and submitting Suspicious Transaction Reports (STRs) to FINTRAC, using data visualization to track compliance health and reporting timelines
• Workflow Optimization: identify manual bottlenecks in our KYC/AML processes and suggest data-driven improvements
• Risk Support: assist with risk assessment for Chexy's mortgage and other financial products, evaluating a mix of credit bureau data (Equifax/TransUnion) and alternative data (bank statements, income documentation) to support payment risk decisions

• Monitor card-not-present fraud, card testing/BIN attacks, and account takeover attempts across Chexy's card processing rails
• Lead chargeback dispute: build evidence-based rebuttal cases using card network reason codes (Visa, Mastercard, Amex) and 3DS liability-shift arguments
• Track dispute win/loss patterns and reason-code trends to refine rebuttal strategy over time

Qualifications

• Experience: 1–3 years in AML/ATF compliance, fraud detection, or financial investigations
• Card Fraud Experience (required): hands-on experience with credit card fraud, chargebacks/disputes, or card network dispute processes (Visa, Mastercard, Amex reason codes)
• Analytical Toolkit: working knowledge of SQL to query databases and extract transaction data; advanced proficiency in Microsoft Excel (Pivot Tables, VLOOKUPs, and Macros) is a must
• Financial Risk Analysis (asset): experience evaluating creditworthiness or financial risk using bureau data (Equifax/TransUnion) and/or alternative data (bank statements, income documentation) — relevant to supporting risk assessment across Chexy's financial products
• Regulatory Fluency: a solid grasp of KYC/AML requirements and FINTRAC standards
• Communication: ability to translate complex data findings into clear, actionable reports for senior leadership

Why Join Chexy?

• Room to Grow: as Chexy expands, you'll have real ownership over how the fraud & compliance function evolves — including exposure to new risk-analysis work as the business grows
• Collaborate with the Best: work alongside an extra-talented team of specialists who live and breathe fintech, mentored by professionals passionate about redefining the future of payments
• Strategic Impact: 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 (GCP/Python) over manual entry
• The "Chexy" Edge: we treat 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, you'll find your tribe here
• The "Chexy" Vibe: a high-performance team that actually likes each other — fast, ambitious, zero tolerance for "corporate boredom"