Merchant Services Analyst

Windcave; Toronto; Hybrid; CAD 65,000 - 90,000; Full time

Benefits offered by this job

Hybrid work

Career development

Health insurance

Diverse team

Job summary

Windcave is seeking a Merchant Services Analyst to support end-to-end onboarding, due diligence, and provisioning of acquiring services. You will make sound merchant application decisions based on credit checks and quality analysis, while maintaining knowledge of scheme rules and settlements.

The ideal candidate has 3+ years in banking or merchant services, a finance/fintech degree, strong AML/KYC knowledge, and excellent analytical skills. Hybrid work with career growth opportunities is offered.

Qualifications

• 3+ years of experience with banking/merchant services.
• Bachelor's degree in finance, fintech, or related field.
• Strong knowledge of AML/KYC processes within Canada regulatory framework.
• Excellent analytical and problem-solving skills.

Responsibilities

• Make sound merchant application decisions based on credit checks and quality analysis.
• Responsible for end to end customer due diligence (CDD).
• Provisioning of acquiring services in the system.
• Maintain knowledge of Scheme rules and processes including settlement and charge-back.
• Timely processing and resolution of issues related to Credit/Merchant Services.
• Build strong working relationships with internal and external stakeholders.
• Assist Enterprise customers with custom reporting and analysis.
• Monitor and evaluate existing credit/merchant service accounts to ensure they meet terms of application.
• Complete different checks (Credit, ID) as part of application processing and assess risk and compliance.

Skills

AML/KYC processes

Analytical thinking

Stakeholder management

Risk assessment

Education

Bachelor's degree in finance/fintech

Job description

Windcave is a high-growth, innovative, global leader in payment technology delivering a range of secure solutions in E-commerce, Cashless Parking and Vending, and Retail Terminals to clients across the globe. Processing over US$70 Billion worth of transactions per year, we are one of the largest integrated POS terminal and e-commerce switching providers in Asia Pacific.

Headquartered in Auckland, New Zealand, we have an impressive global network operating out of 14 locations including the US, UK, Australia, Singapore and Canada.

The Role:

We are looking for an energetic Merchant Services Analyst who enjoys a varied and fast pace environment.

Key Position Objectives include:

• Make sound merchant application decisions based on credit checks and quality analysis
• Responsible for end to end customer due diligence (CDD)
• Responsible for provisioning of acquiring services in the system
• Maintain a good working knowledge of Scheme rules and processes including settlement and charge-back.
• Timely processing and resolution of issues (raised through tickets) related to Credit/Merchant Services
• Work efficiently, accurately and consistently to defined processes
• Build strong working relationships with internal and external stakeholders
• Assist Enterprise customers with custom reporting and analysis
• Monitor and evaluate existing credit/merchant service accounts to ensure they meet the terms of application
• To complete different checks (Credit, ID) as part of application processing and able to take strong view on risk and compliance for adherence.

Ideally the candidate will have the following:

• 3+ years of experience with banking /merchant services
• Bachelor’s degree in finance, fintech, or related field
• Strong knowledge of AML/KYC processes within Canada regulatory framework
• Excellent analytical and problem-solving skills

Benefits on offer:

We value our employees and offer competitive benefits, including:

• Hybrid work (currently following hybrid work model; mandatory 3 days’ work from office Monday, Tuesday, and Friday)
• Career development and long-term career opportunity
• Discounted health insurance (depending upon eligibility)
• Diverse, energetic and friendly team environment

At Windcave, you will have the opportunity to grow, develop, and be part of a company that values your contributions. We are committed to providing:

• A supportive and inclusive environment
• Career development and learning opportunities
• Exciting and challenging projects
• On going training and support

Windcave is an Equal Opportunity Employer and committed to building a diverse workforce.

Recent graduates and entry-level candidates are welcome to apply—we’re looking for someone with strong analytical skills, attention to detail, and a willingness to learn.