Senior Risk Analyst

at  Lightspeed

Hi there! Thanks for stopping by
Are you actively looking for a new opportunity? Or just checking the market? Well… you might just be in the right place!
We’re looking for a Senior Risk Analyst to join our Payments Operations team. You will play an integral role in the preliminary risk assessment process. You will work within existing risk management policies, guidelines, standards and processes, providing feedback and input as part of a team to ensure these policies, guidelines, standards and processes are working to the best of their ability for Lightspeed and our Merchants

What you’ll be doing:

• Identify, assess and report on transactional and settlement anomalies in accordance with internal and external policies and regulations.
• Understand sub-merchant risk profiles,to help identify and mitigate high-risk merchants.
• Communicate with Lightspeed customers during investigations via email and phone calls, keeping on top of communication to resolve tasks within a timely manner.
• Monitor merchant activity for compliance violations and find solutions to resolve them.
• Analyze the risks associated with the Merchant and their business model, offering solutions that strike the right balance between potential losses,customer impact and the cost of the solution.
• Navigate through various web-service tools to investigate activity that may cause financial loss to Lightspeed or our customers and come to a final conclusion in an efficient manner; being prepared to have difficult conversations with Merchants about this activity.
• Day to Day transaction monitoring and underwriting of our merchant’s card payments to ensure compliance, assessing credit risk to Lightspeed and fraud risk to the merchant.
• Staying on top of ongoing fraud trends in the Payments Sphere, understanding what dangers exist for our Merchants and offering practical advice and support on how to avoid them.

What you need to bring:
We’re a team of 5 people located in North America and Europe. Our team is responsible for for protecting Lightspeed against financial and reputational Risks as well as protecting our merchants against Fraud and malicious customer activity.

We’re looking for a candidate who has experience with the following:

• Experience in a Fraud prevention role and/or experience working at a payments provider, banking, or financial services technology company.
• Previous credit or risk underwriting experience within the Card Payment Processing Sphere is a major plus.
• Strong working knowledge of Excel.
• Proven aptitude and desire to learn new, complex concepts and systems.
• Ability to make clear, diligent decisions based on multiple data points and risk factors.
• Knowledge of Card Scheme rules and regulations.
• Demonstrated ability to collaborate across risk, sales and client groups and execute on priorities, influence change, and deliver results.
• Good conceptual thinking with proven analytic, problem-solving and effective reporting skills.
• Ability to work in a dynamic fast-paced environment with tight deadlines.
• Flexible work availability (evening shifts possible to mitigate Global Risk activities during holiday seasons).
• Experience at a FinTech, Lending or within the Banking industry an asset.

We know that people are more than what’s on their CV. If you’re unsure that you have the right profile for the role… hit the ‘Apply’ button and give it a try!
What’s in it for you?

Come live the Lightspeed experience…

• Ability to do your job in a truly flexible hybrid environment (3 days/week in office);
• Genuine career opportunities in a company that’s creating new jobs everyday;
• Work in a team big enough for growth but lean enough to make a real impact.

… and enjoy a range of benefits that’ll keep you happy, healthy and (not) hungry:

• Lightspeed RSU program (we are all owners)
• Unlimited paid time off policy
• Flexible working policy
• Health insurance
• Health and wellness benefits
• Possibility for transit fees to be covered
• Paid leave assistance for new parents
• Linkedin learning
• Volunteer day

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes.
Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.
Where to from here?
Obviously, this has to be mutually beneficial: we want you to step into a role you love, and we want to offer you a place you’re proud to come to every day. .
Lightspeed is building communities through commerce, and we need people from all backgrounds and lived experiences to do that. We were founded in 2005, in Montreal’s gay village and our original members were all part of the LGBTQ+ community. The ethos of our business has been about inclusion from the very beginning, and we strive to provide a workplace where everyone belongs.
Who we are:
Powering the businesses that are the backbone of the global economy, Lightspeed’s one-stop commerce platform helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Our cloud commerce solution transforms and unifies online and physical operations, multichannel sales, expansion to new locations, global payments, financial solutions, and connection to supplier networks.
Founded in Montréal, Canada in 2005, Lightspeed is dual-listed on the New York Stock Exchange (NYSE: LSPD) and Toronto Stock Exchange (TSX: LSPD). With teams across North America, Europe, and Asia Pacific, the company serves retail, hospitality, and golf businesses in over 100 countries.
Lightspeed handles your information in accordance with our Applicant Privacy Statement.

• Identify, assess and report on transactional and settlement anomalies in accordance with internal and external policies and regulations.
• Understand sub-merchant risk profiles,to help identify and mitigate high-risk merchants.
• Communicate with Lightspeed customers during investigations via email and phone calls, keeping on top of communication to resolve tasks within a timely manner.
• Monitor merchant activity for compliance violations and find solutions to resolve them.
• Analyze the risks associated with the Merchant and their business model, offering solutions that strike the right balance between potential losses,customer impact and the cost of the solution.
• Navigate through various web-service tools to investigate activity that may cause financial loss to Lightspeed or our customers and come to a final conclusion in an efficient manner; being prepared to have difficult conversations with Merchants about this activity.
• Day to Day transaction monitoring and underwriting of our merchant’s card payments to ensure compliance, assessing credit risk to Lightspeed and fraud risk to the merchant.
• Staying on top of ongoing fraud trends in the Payments Sphere, understanding what dangers exist for our Merchants and offering practical advice and support on how to avoid them