Risk Analyst, Relay

• 2+ years in fraud investigation, AML/BSA, or financial crime at a bank, fintech, or payments company. You've made real hold/release or approve/decline decisions
• You develop pattern recognition. You notice when something doesn't add up, and you dig into it rather than just flagging it
• You can write clearly under pressure. Your case notes will be read by compliance officers, our bank partner, and potentially federal examiners. "Looks suspicious" is not documentation
• You make calls and stand behind them. Holding a deposit means a business can't access their money. Releasing it means you're betting your judgment that it's clean. Both decisions have consequences. We need people comfortable with that
• 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 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 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
• 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
• 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're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more

Desirable

• This role sits on either our Transaction Monitoring or Onboarding Risk team. Both are front-line teams where your decisions have immediate, visible impact
• Transaction Monitoring is where you intercept fraud attempts in real time. Shell companies trying to funnel money through business accounts
• Altered checks. Wire requests that look clean until you notice the third soft signal. The team catches these every day, and the pattern recognition you develop here is something you can't learn from a textbook
• Onboarding Risk is the front gate. You're catching stolen identities, fabricated businesses, and coordinated fraud rings before they get through the door
• You're also the reason a legitimate contractor gets approved in minutes. The team regularly reviews real edge-case decisions together to sharpen judgment and stay calibrated
• Every business day, Relay processes millions of dollars in deposits, wire transfers, and card transactions. Every one of those is a decision: hold or release, approve or decline, investigate or clear
• You make those decisions. Good decisions mean legitimate business owners get their money fast and bad actors get stopped before they succeed
• You also satisfy a federal obligation. The Bank Secrecy Act requires continuous monitoring of all customer transactions for suspicious activity
• You'll think in two frames simultaneously: fraud prevention and regulatory compliance. They aren't always the same thing
• Transaction Monitoring:
• Hunt for fraud across every payment channel: deposits, checks, wires, card transactions. You're looking for the patterns that don't belong
• Intercept suspicious deposits before funds settle. Check the signals, verify the story, make the call
• Review inbound and outbound money transfers. Transaction behavior, stated purpose, sender verification, business email compromise detection, and much more
• Catch velocity abuse: accounts moving money too fast, in patterns that don't match their profile
• Document investigations at SAR-referral quality. Your work product goes to our bank partner and potentially to federal examiners
• Onboarding Risk:
• Separate real businesses from fake ones. Is this a legitimate contractor or a shell company with a Registered Agent address and no web presence? Is this beneficial owner a real person or a synthetic identity built from a stolen SSN?
• Read the signals across multiple vendor systems: device intelligence, document fraud detection, business verification, synthetic identity scoring. Make the call
• Break up fraud rings. Coordinated applications sharing devices, addresses, or referral codes. You connect the dots
• In Your First 6 Months, You Might:
• Spot a pattern that breaks a case: a check issuer whose returns are 3x the normal rate, or a cluster of applications sharing the same device fingerprint. You flag it and stop it early
• Write an investigation narrative that becomes a SAR referral to our bank partner, with quality good enough that it's accepted without revision
• Build proficiency with our vendor signals (device intelligence, document verification, business verification) so you can read them cold and make fast, confident calls
• Own the daily deposit review queue and develop the judgment to independently hold or release transactions up to $20K

• Stage 1: A 45-minute Google Meet video call with the Hiring Managers
• Stage 2: A case study interview with the Hiring Managers
• Stage 3: A 45-minute Google Meet video call with a member of our leadership team
• Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check and employment verification through Certn