Risk Analyst

About the Company

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success.

Responsibilities

• Hunt for fraud across payment channels including deposits, checks, wires, and card transactions
• Intercept suspicious deposits and verify transaction stories
• Review inbound and outbound money transfers for business email compromise and suspicious behavior
• Catch velocity abuse and patterns that do not match customer profiles
• Document investigations at SAR-referral quality for bank partners and federal examiners
• Separate legitimate businesses from shell companies and synthetic identities
• Utilize vendor signals including device intelligence and document verification
• Break up coordinated fraud rings by connecting shared devices, addresses, or referral codes

Requirements

• 2+ years in fraud investigation, AML/BSA, or financial crime at a bank, fintech, or payments company
• Experience making real hold/release or approve/decline decisions
• Strong pattern recognition and investigative skills
• Ability to write clear, professional investigation narratives under pressure
• Comfort making high-stakes decisions with real-world consequences

Preferred Qualifications

• BSA/AML typology experience (structuring, funnel accounts, trade-based money laundering)
• SQL proficiency
• CAMS, CFE, or equivalent certification
• Experience operating under a bank partnership
• Comfort with AI-assisted investigation tools