Fraud Analyst

Chexy Co.; Toronto; Hybrid; CAD 60,000 - 80,000; Full time

Job summary

A high-growth fintech startup based in Toronto is looking for a detail-oriented Fraud & Compliance Operations Officer. In this hybrid role, you will safeguard the payment platform, conducting data-driven monitoring and leading investigations into suspicious activities. Candidates should possess 1–3 years of AML/ATF compliance experience and a working knowledge of SQL and Excel. Join a dynamic team dedicated to innovation in payments, fostering a culture of collaboration and excellence within the fintech industry.

Benefits

Mentorship from fintech specialists

Innovative work culture focused on automation

Collaborative team environment

Qualifications

• 1–3 years in AML/ATF compliance, fraud detection, or financial investigations.
• Working knowledge of SQL to query databases and extract transaction data.
• Ability to translate complex data findings into clear compliance reports.

Responsibilities

• Conduct daily reviews of user accounts and payment transactions using SQL.
• Lead investigations into flagged activities and document findings.
• Assist in preparing and submitting Suspicious Transaction Reports (STRs).
• Identify manual bottlenecks in KYC/AML processes and suggest improvements.
• Transition across departments to conduct root-cause analysis on bottlenecks.

Skills

Analytical Toolkit

Regulatory Fluency

Communication

Tools

SQL

Excel

Snowflake/Python

Job description

At Chexy, we’re reshaping the way money moves - making payments smarter, faster, and more rewarding.

We started by being the first in Canada to let people pay their biggest and most painful bills with credit cards and earn rewards on money they had to spend anyway. Now, we’re on a much bigger mission: to build a super app that acts as your co-pilot for all your money—helping you get more value from every dollar you spend.

As a high-growth fintech startup, we’re at the forefront of payments innovation, and we’re looking for hungry, ambitious people to help us scale. If you thrive in a fast-moving, high-energy environment and want to be part of something big, we’d love to work with you.

The Role

We’re looking for a detail-oriented, proactive Fraud & Compliance Operations Officer to serve as a vital protector of Chexy’s payment platform. This is a hybrid position based in our downtown Toronto office (Tuesday–Thursday), where you will sit at the intersection of fraud detection and regulatory integrity.

In this role, you aren\'t just checking boxes—you are a Financial Safeguard. You will own the day-to-end vigilance required to outsmart fraudsters and ensure our platform remains a gold standard for AML and ATF compliance. Beyond manual reviews, you will use data-driven insights and foundational SQL to proactively identify risks and automate compliance workflows. You will be the bridge between regulatory requirements and technical execution, ensuring that every transaction on Chexy is as secure as it is seamless.

Key Responsibilities

• Data-Driven Monitoring: Conduct daily reviews of user accounts and payment transactions. You will use basic SQL queries 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 activities. You’ll use a mix of investigative tools, SQL data pulls, and intuition to 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 to make our compliance operations more efficient.
• Cross-Functional Rotation: Transition across departments to conduct root-cause analysis on operational bottlenecks and implement structural improvements in payment processing and customer support.

Qualifications

• Experience: 1–3 years in AML/ATF compliance, fraud detection, or financial investigations.
• Analytical Toolkit: Working knowledge of SQL to query databases and extract transaction data. Excel Mastery.
• Regulatory Fluency: A solid grasp of KYC/AML requirements and FINTRAC standards.
• Communication: Ability to translate complex data findings into clear, actionable compliance reports for senior leadership.

Why Join Chexy?

• Collaborate with the Best: Work alongside an extra-talented team of specialists who live and breathe fintech. You will be mentored by professionals passionate about redefining the future of payments, offering a steep learning curve and unparalleled industry insights.
• Strategic Impact: You will 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 (Snowflake/Python) over manual entry.
• The "Chexy" Edge: We treat our 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 while working with a team that is as hilarious as they are brilliant, you’ll find your tribe here.
• The "Chexy" Vibe: We’re a high-performance team that actually likes each other. Expect a culture where we debate SQL optimization with the same passion we use to pick a lunch spot. We’re fast, we’re ambitious, and we have zero tolerance for "corporate boredom." If you want to work with people who are as witty as they are technical, you’ve found your home.