Risk Analyst

Jonas Software

Risk Analyst monitoring merchant fraud, ACH, chargeback, and compliance risks for Canadian fintech Constellation Payments. Investigating cases, controlling bank changes, and strengthening portfolio risk operations.

Posted 8/13/2026full-timeRemote • 🇨🇦 CanadaJunior💰 CA$55,000 - CA$62,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in risk operations, including fraud monitoring, compliance, and payment processing workflows. Proficient in conducting investigations, managing documentation, and supporting cross-functional teams in a remote-first environment.

Highest-signal resume keywords

Risk Operations ExperiencePayment Processing WorkflowsACH Risk MonitoringSalesforce ProficiencyStrong Written Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud MonitoringTransaction MonitoringChargeback ManagementACH ReturnsRisk AssessmentKYC/KYB ProcessesDocumentation ValidationData AnalysisRegulatory ComplianceMerchant Risk Reviews

Soft Skills

Attention to DetailSound JudgmentProfessionalismDiscretionTime Management

Tools & Technologies

SalesforcePayrixZiftVantiv IQLegitScriptGIACTInscribeCRM ToolsSpreadsheetsOperational Trackers

Industry Keywords

Merchant AcquiringPayment RiskFintechNACHA ComplianceMCC Risk ClassificationHigh-Risk IndustriesProhibited Merchant CategoriesEnhanced Due DiligencePayment Gateway OperationsBanking Operations

About the role

Key responsibilities & impact

Monitor merchant activity for fraud, compliance, reputational, operational, ACH, chargeback, and transaction-related risks
Investigate flagged activity, including held transactions, large tickets, refunds, duplicate transactions, excessive authorizations/declines, suspicious processing behavior, and emerging risk trends
Conduct merchant risk reviews and maintain complete case documentation in Salesforce
Manage bank account change reviews, including validation, verification, approvals, system updates, quality control, and post-change monitoring
Support merchant monitoring programs, including website reviews, LegitScript screenings, alert investigations, negative media reviews, sanctions screening, regulatory concerns, and prohibited activity reviews
Perform enhanced due diligence and monitoring for high-risk industries, MCCs, NEC classifications, non-profits, firearms/ammunition merchants, and other restricted or sensitive categories
Monitor chargeback, ACH, and NACHA-related activity, including return rates, unauthorized and administrative returns, recurring payments, thresholds, trend analysis, and remediation efforts
Support periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation
Maintain risk monitoring logs, investigation records, reporting dashboards, and tracking tools; prepare recurring reports
Document investigations with findings, evidence, risk assessments, decisions, ownership, and recommended next steps
Escalate critical fraud, compliance, sanctions, regulatory, or operational risks to leadership
Support risk process improvements, reporting enhancements, underwriting initiatives, and operational projects
Adapt to shifting priorities, procedures, risk controls, regulatory requirements, and business initiatives
Take ownership of new responsibilities and support cross-functional projects

Requirements

What you’ll need

1–3 years of experience in risk operations, underwriting, payment operations, fraud monitoring, banking operations, compliance operations, or a similar role
Working understanding of payment processing workflows, merchant accounts, transaction monitoring, chargebacks, ACH returns, refunds, and risk flags
Strong attention to detail and ability to validate documentation, identify inconsistencies, and maintain accurate case notes and trackers
Ability to manage multiple open reviews, follow-ups, escalations, and time-sensitive cases simultaneously
Strong written communication skills
Comfort working with CRM/case management tools, spreadsheets, and operational trackers
Ability to follow documented procedures while identifying gaps, control weaknesses, or process improvement opportunities
Sound judgment, professionalism, and discretion when handling sensitive merchant, banking, fraud, and compliance information
Ability to work cross-functionally with Risk, Underwriting, Onboarding, Merchant Support, Finance, Product, and partner-facing teams
Working knowledge of ACH processing, NACHA Operating Rules, ACH return codes, unauthorized return thresholds, administrative returns, and ACH risk monitoring best practices
Ability to investigate ACH-related risk indicators, including unusual return activity, account validation concerns, transaction anomalies, and merchant processing trends
Preferred: experience in merchant acquiring, PayFac operations, fintech, payment risk, card-not-present environments, or payment gateway operations
Preferred: familiarity with Payrix, Salesforce, Zift, Vantiv IQ, LegitScript, GIACT, Inscribe, or similar tools
Experience reviewing bank change documentation, voided checks, bank letters, authorized signers, ownership matches, or account verification controls
Experience reviewing chargebacks, ACH returns, transaction holds, duplicate transactions, excessive refunds, or large-ticket verification workflows
Knowledge of MCC risk classification, high-risk industries, NEC classifications, prohibited merchant categories, and enhanced due diligence triggers
Experience preparing risk reporting, KPI summaries, audit support documentation, or operational leadership updates
Comfort working in a remote-first environment with strong follow-through, documentation discipline, and queue ownership
Experience with ACH risk monitoring programs, NACHA compliance requirements, return rate management, and payment network rules
Required pre-existing authorization to work in Canada; this role does not offer visa sponsorship
Required ability to travel periodically for team meetings, training sessions, conferences, and other business-related activities

Benefits

Comp & perks

100% remote-first work model
Work from home or any approved location within the hiring country
Periodic travel for team meetings, training sessions, conferences, and other business-related activities (2–3x per year)
Accommodation support during the application process
40 scheduled weekly hours