Risk Analyst

Join Relay, a fast-growing fintech company, as a Risk Analyst. In this role, you will review and investigate suspicious activity across various payment channels, make hold/release decisions on flagged transactions, and document your investigations clearly. You will also collaborate with Compliance, Customer Experience, and Product teams to resolve cases quickly without compromising on risk. The position offers a competitive salary, equity, comprehensive health benefits, a hybrid work environment, and opportunities for personal and professional growth.

• Review and investigate suspicious activity across various payment channels, making hold/release decisions on flagged transactions.
• Detect patterns of fraudulent activity, document investigations clearly, and suggest improvements to fraud rules and controls.
• Collaborate with Compliance, Customer Experience, and Product teams to resolve cases quickly while managing risk.
• We're looking for someone with real transaction monitoring experience who is curious, decisive, and excited to build with AI, not just work a queue
• You thrive in a fast-paced environment. You're comfortable wearing multiple hats, handling ambiguity, and adapting as fraud patterns shift
• You communicate clearly. You document findings well and can present them to teammates, compliance, and non-risk partners like CX and Sales
• You're a problem solver with high agency. You don't just spot issues — you come with solutions and drive them forward without waiting to be asked
• You have a growth mindset. You want to get a little better every day and you treat feedback as fuel
• You make calls and stand behind them. Holding a deposit means a business can't access their money; releasing it means betting your judgment that it's clean. You're comfortable owning both
• You build with AI. You're actively using AI tools in how you work today and you're excited to push what's possible with them
• You're curious and investigative. When something doesn't add up, you dig into the why instead of just flagging it and moving on
• You have 2+ years of transaction monitoring experience at a bank, fintech, or payments company. You've made real hold/release decisions, not just escalated them
• SQL proficiency — you can pull your own data without waiting on analytics
• Card and disputes experience, including familiarity with the relevant regulations
• Working knowledge of compliance: BSA/AML, KYC/CIP, and how regulations shape monitoring decisions
• CAMS, CFE, or equivalent certification
• Experience at a company operating under a bank partnership
• You seek out feedback: You see directness as respect, not criticism. You actively seek input, sit with hard truths, and use feedback as fuel for improvement
• You push relentlessly for reinvention: You're always asking "how can this be better?" -- in your work, in your craft, in yourself. Comfort is a signal to push harder, not coast. You'd rather build something better than defend something familiar
• 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 build with AI, not just use it: You're actively embedding AI into how you work, pushing what's possible, and bringing your team along with you
• 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
• Small businesses are why we're here: Relay exists to help them thrive -- and that mission has to resonate with you
• 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’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
• We're looking for people who are relentless, curious, and care deeply about the work. You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more. We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive