Fraud Analyst

ABOUT HELCIM

Helcim was founded with a mission at heart: to be the worlds most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable we can empower them to grow and prosper. Simply put helping small businesses thrive is at the very core of our business model and we think thats a great way to do business.

From the very start we knew that we wanted to be different from every payment processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another cost of doing business. We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money all while treating them like human beings.

THE POSITION

At Helcim fraud prevention is about knowing when somethings off and having the curiosity creativity and conviction to dig deeper. As a Fraud Specialist on our Trust & Safety team youll be a crucial shield protecting Helcim and its merchants from fraud losses while enabling legitimate business growth.

Youll spend your days spotting red flags in merchant applications or payment batches investigating unusual patterns and directly contributing to a stronger safer platform for everyone who uses it. This means protecting our users from malicious activity ensuring a secure environment for legitimate businesses. Youll operate within a high-trust environment empowered to work independently while adhering to established guidelines and processes.

As a core part of your role youll expertly manage crucial aspects like KYC (Know Your Customer) and KYB (Know Your Business) reviews conduct AML (Anti-Money Laundering) and TF (Terrorist Financing) investigations and enforce our AUP (Acceptable Use Policy) and TOS (Terms of Service).

At Helcim were payments people at our core. We know the difference between a mistake and a scheme and we know how to handle both with clarity and integrity. If youre a curious naturally skeptical investigator who thrives in a collaborative and high-autonomy setting youll find your fit here.

Here are the things youll own day to day:

• Investigate Red Flags: Proactively review merchant applications and payment batches that trigger fraud red flags digging into the details to understand whats truly going on and why with a keen eye on KYC/KYB integrity.
• Uncover Deception: Investigate behavior that suggests identity fraud account manipulation or financial crime looking for the signal in the noise across transaction activity website content and business documentation. Youll go beyond the obvious thinking like a fraudster to anticipate their next move and uncover hidden patterns.
• Document & Escalate: Document findings thoroughly flag high-risk activity and escalate issues appropriately including preparing internal reports and STRs/SARs when needed aligning with AML/TF compliance.
• Innovate & Enhance Systems: Work directly with product and engineering teams to continuously improve our fraud prevention systems and tools. Youll actively come up with new ideas make a strong case for their prioritization and then see them through to completion. Youll play a key role in developing the next great fraud detection mechanism and enhancing existing solutions to make a merchants life easier and better with Helcim contributing to the evolution of our fraud playbooks and frameworks. This isnt just about tweaking existing rules; its about pioneering new ways to outsmart evolving threats.
• Enforce Policies with Care: Uphold and enforce our policies including the Acceptable Use Policy (AUP) and Terms of Service (TOS) with both confidence and care.
• Educate & Protect: Educate merchants on how to reduce their fraud exposure and help them stay compliant especially when they dont know theyre at risk. Remember that some merchants are new to payments and they may need a helping hand to get started off on the right foot.
• Communicate Proactively: While written communication is vital youll know when to pick up the phone to resolve complex situations add a personal touch or clarify issues more efficiently.
• Adapt & Evolve: Continuously learn about new fraud typologies emerging threats and creative abuse. We evolve as fast as the fraudsters do which means staying agile and thinking creatively to stay one step ahead.

A SUCCESSFUL CANDIDATE

• Youve got 2 years of experience in fraud prevention trust & safety AML investigations or related risk work in a financial or fintech environment.
• Youre not afraid of messy ambiguous cases and you know how to stay level-headed and use sound judgment when there isnt a clear answer aiming to discern intent.
• You think in systems and patterns. Curious skeptical creative and analytical are three words people might use to describe you.
• Youre a strong communicator both in writing and verbally and you can explain complex ideas clearly and constructively providing effective guidance.
• Youre comfortable balancing urgency with impact taking quick action when it counts and taking your time when it matters.
• Youre collaborative coachable and committed to doing the right thing even when its hard and you know how to ask good questions.
• You thrive in an environment of quick direct feedback engaging in constant team discussions brainstorming and on-the-spot input to continuously sharpen our collective approach.
• You have a strong understanding and practical experience with KYC KYB AML TF AUP and TOS principles and their application in real-world investigations.
  You embrace a culture of accountability and continuous improvement owning your mistakes learning from them and participating constructively in post-mortems tostrengthen team processes.
• You understand how Machine Learning can be leveraged to our benefit in fraud detection and prevention.
  

Creativity and Innovation

Fraudsters are constantly adapting their tactics and so must we. This role demands a creative and inventive mindset to develop novel solutions and spot emerging threats. Youll be encouraged to:

• Think outside the box when investigating suspicious activity considering unconventional angles and connections.
• Propose and prototype innovative fraud detection strategies that leverage data technology and your keen intuition.
• Contribute to a culture of continuous improvement where new ideas are welcomed and explored to enhance our defensive capabilities.
• Embrace the challenge of an ever-changing landscape viewing each new fraud scheme as an opportunity to learn and innovate.

Not checking every box Please apply anyway! We know that candidates have different experiences that may make them a great fit for this position and for Helcim. We believe that diversity and having an inclusive culture is not only the right thing but key to our long-term success. Diversity brings more experience view-points knowledge and insight about our future. We also want to provide an accessible interview process so if theres any accommodations that would make your experience more comfortable please let us know.

BONUS POINTS

• Experience with AML/TF reporting (e.g. STR/SAR).
• In-depth knowledge of compliance regulations relevant to payments and financial services.
• Experience in credit card processing and issuing or general banking operations.
• Proficiency with SQL Metabase or Python for data analysis and reporting.
• Experience or strong interest in project management especially related to risk or fraud systems.
• Experience with chargebacks/disputes.
• Experience reviewing ID documentation banking statements or business models for legitimacy.

HELCIM CULTURE IS;

Being builders: We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there invent our way out of problems and we never stop dreaming of better.

Choosing the harder path: We believe that the right decisions are usually the harder ones so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the long-term and makes us resilient so that we not only survive but thrive.

Creating trust: We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn easy to lose and is tested continuously over time so we make trust our way of life.

Contributing to a company of many: We are stronger because of our collective passion diversity and fellowship. We believe only great teams can accomplish great things and we ask the very best of each other. Together we create our own future.

WORKING AT HELCIM

Joining Helcim means joining a fast-growing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth - opportunities for faster career growth for more learning more impact and accelerated experience - all while surrounding yourself with incredible people working on interesting problems and delivering great results.

Here are some of the reasons we attract such great people:

The Way of the Helcim: At Helcim we build a team of engaged caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcims unique culture and environment in our culture book The Way of the Helcim.

Health and dental benefits: Through our Group Benefits youll get access to dental benefits extended healthcare benefits for drugs vision paramedical coverage (e.g. massage therapists dieticians mental health professionals) counseling health service navigation life insurance critical illness and disability insurance and more. All of these benefits come into effect on Day 1 of employment!

Dedicated Health Spending Account (HSA): An additional budget available for you to spend on health-related expenses (e.g. eyeglasses therapy).

Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for non-birthing parents.

Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member not just people leaders and executives receive equity (aka ownership in the company).

Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.

Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore our core hours give team members flexibility to manage other parts of their lives.

Training: Helcim will cover 50% of the applicable training costs of up to $500 per year.

LOGISTICS
Job type: Full-time
Hiring manager: Cory Brown
Location: Hybrid In Office Mondays Wednesdays Fridays

Candidates must be eligible to work in Canada and be located in Calgary for this position.

Required Experience:

Manager