Risk Supervisor

🔥 1 minute ago

🇨🇦 Canada – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🎲 Risk

👻 Ghost score 16%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Constellation Payments

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2012

💳 Fintech

🤝 B2B

🛍️ eCommerce

Fintech • B2B • eCommerce

Constellation Payments is a leading payment platform in North America, dedicated to providing seamless payment solutions for Constellation's six operating groups in the USA and Canada. As a trusted payment partner, they offer credit and debit processing, SaaS fee collection, and ACH processing, catering to a variety of payment needs including card-present, eCommerce, and recurring billing. By leveraging API documentation, integration support, and specialized industry expertise, Constellation Payments empowers businesses to streamline financial processes, enhance revenue potential, and improve customer satisfaction. Their platform supports over 4,000 merchants, offering real-time reporting and customized portal options. Constellation Payments is a registered agent for Worldpay under Fifth Third Bank.

📋 Description

• Lead and oversee the daily activities of the Risk team, ensuring risk queues, investigations, alerts, reviews, and escalations are completed accurately and within established service levels • Supervise merchant risk monitoring for fraud, compliance, reputational, operational, ACH, chargeback, and transaction-related risks • Review and approve escalated investigations involving held transactions, large ticket activity, excessive refunds, duplicate transactions, excessive authorizations, excessive declines, ACH returns, suspicious merchant behavior, and emerging risk trends • Manage team workload, priorities, queue assignments, and resource allocation • Conduct quality assurance reviews of risk cases, documentation, merchant outreach, escalations, workflows, and monitoring activities • Provide coaching, mentoring, training, and performance feedback to Risk Analysts • Oversee bank account change controls, including validations, approvals, quality reviews, system updates, and post-change monitoring • Ensure ongoing merchant monitoring programs are implemented and performed on a regular cadence • Support enhanced due diligence for high-risk industries, MCCs, NEC classifications, firearms and ammunition merchants, non-profits, and other restricted categories • Oversee chargeback, ACH, and NACHA monitoring programs, including threshold monitoring, return rate reviews, recurring payment analysis, remediation, and risk trend management • Review and approve risk assessments, recommendations, merchant restrictions, monitoring plans, escalation decisions, and account actions • Ensure periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation are completed accurately and on schedule • Prepare and deliver recurring risk reporting, KPI dashboards, operational updates, portfolio analysis, escalation summaries, and trend reporting for leadership • Identify emerging risks, operational gaps, control weaknesses, and process improvement opportunities; implement corrective actions and monitor effectiveness • Partner with Underwriting, Compliance, Product, Finance, Onboarding, Merchant Support, and external partners to resolve complex issues and improve workflows • Support audits, compliance reviews, sponsor bank requests, processor inquiries, and operational examinations • Assist with policy development, procedure documentation, workflow enhancements, risk framework expansion, and strategic operational initiatives • Adapt risk controls, processes, priorities, and team responsibilities as business needs evolve • Take ownership of leadership initiatives, special projects, and additional responsibilities assigned by management

🎯 Requirements

• 5+ years of experience in risk operations, payments, fraud prevention, underwriting, compliance operations, banking operations, or related fields • 1–3 years of leadership, team lead, supervisory, or management experience • Required to travel up to 15% annually for company meetings, leadership events, partner engagements, training, conferences, and other business-related activities • Strong understanding of payment processing, merchant acquiring, transaction monitoring, chargebacks, ACH processing, NACHA rules, fraud prevention, and operational risk management • Demonstrated ability to lead teams, prioritize workloads, manage escalations, and drive operational performance • Strong analytical and decision-making skills with the ability to assess complex risk scenarios and provide clear recommendations • Experience building procedures, monitoring programs, controls, scorecards, dashboards, and operational reporting • Excellent communication, coaching, and stakeholder management skills • Experience managing multiple projects, investigations, escalations, and competing priorities simultaneously • Strong attention to detail and ability to maintain high-quality standards across team output • Ability to work cross-functionally with Risk, Compliance, Underwriting, Operations, Product, Finance, and external partners • Working knowledge of ACH processing, NACHA Operating Rules, ACH return thresholds, and payments risk management best practices • Preferred: experience in merchant acquiring, PayFac operations, fintech, payment risk, card-not-present environments, or payment gateway operations • Preferred: experience leading risk monitoring, fraud prevention, underwriting, compliance, or operational support teams • Preferred: familiarity with Payrix, Salesforce, Zift, Vantiv IQ, LegitScript, GIACT, Inscribe, or similar risk and verification platforms • Preferred: experience developing KPIs, SLAs, quality assurance programs, operational reporting, and team performance metrics • Preferred: experience supporting audits, sponsor bank reviews, regulatory examinations, and compliance initiatives • Preferred: knowledge of MCC governance, high-risk verticals, prohibited merchant categories, and enhanced due diligence requirements • Preferred: experience designing and implementing risk controls, monitoring frameworks, escalation procedures, and operational workflows • Preferred: experience working with ACH risk monitoring programs, NACHA compliance requirements, return rate management, and payment network rules • Preferred: experience with risky business verticals and building monitoring around them

🏖️ Benefits

• Regular worker type • Full-time employment • Scheduled hours: 37.5 hours