About this role
Support merchant risk monitoring, transaction review, and portfolio risk oversight for a payment processing company. Identify and mitigate fraud, compliance, chargeback, ACH, and merchant behavior risks across new and existing merchants in a fast-paced, remote-first environment.
Must have
1-3 years experience in risk operations, underwriting, payment operations, fraud monitoring, banking operations, or compliance operations
Working understanding of payment processing workflows, merchant accounts, transaction monitoring, chargebacks, ACH returns, refunds, and risk flags
Strong attention to detail with ability to validate documentation and identify inconsistencies
Ability to manage multiple open reviews, follow-ups, escalations, and time-sensitive cases simultaneously
Strong written communication skills for clear communication with partners, merchants, and internal stakeholders
Comfort working with CRM/case management tools, spreadsheets, and operational trackers
Ability to follow documented procedures while identifying gaps and process improvement opportunities
Sound judgment, professionalism, and discretion 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, and ACH risk monitoring best practices
Technologies
Responsibilities
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, and suspicious processing behavior
Conduct merchant risk reviews and maintain complete case documentation in Salesforce
Manage bank account change reviews including validation, verification, approvals, and post-change monitoring
Support ongoing merchant monitoring programs including website reviews, LegitScript screenings, and sanctions screening
Perform enhanced due diligence for high-risk industries, MCCs, NEC classifications, and restricted business categories
Monitor chargeback, ACH, and NACHA-related activity including return rates and threshold monitoring
Support periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation
Maintain risk monitoring logs, investigation records, reporting dashboards, and tracking tools
Document investigations clearly with findings, evidence, risk assessments, decisions, and recommended next steps
Escalate critical fraud, compliance, sanctions, regulatory, or operational risks to leadership as required
Support risk process improvements, reporting enhancements, underwriting initiatives, and operational projects
Benefits
Amenities
Recruitment process
New role within growing organization
AI may be used during the hiring process
Reports to Risk leadership with cross-functional collaboration across Underwriting, Onboarding, Merchant Support, Finance, and Compliance
Required travel 2-3 times per year for team meetings, training sessions, and conferences
Part of Constellation Payment Processing - Canada business unit
40 scheduled hours per week
Jonas Software is a leading provider of enterprise management software solutions with 65+ distinct brands
Parent company Constellation Software Inc. is publicly listed on TSX (CSU.TO) and S&P/TSX 60 Index member
No visa sponsorship offered; applicants must have pre-existing authorization to work in Canada
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