Senior/Lead Risk Analyst, Payment fraud

Location: Toronto, Canada / On-site

Department: Risk & Payments

Compensation: $150K–$200K

About the Role
At Snaplii, risk management isn't a "brake" on growth—it’s the "supercharger" that enables our 300% explosive expansion. We aren't looking for analysts who just read reports; we want strategists who can reverse-engineer fraud loops and command AI to automatically sever risks.

About the Snaplii

Snaplii is one of Canada’s fastest-growing fintech platforms, with $100M+ in annual transaction volume and 350,000+ users across North America, Snaplii connects consumers with 500+ leading brands across everyday categories — enabling smarter spending with instant savings and rewards.

Today, Snaplii is evolving beyond a digital wallet into infrastructure for AI-native commerce — enabling secure, programmable transactions between users, brands, and AI agents.

AI drives demand. Snaplii executes the transaction.

Key Responsibilities

We are looking for a Risk Leader with deep fraud expertise and raw analytical horsepower.

• 5+ Years Professional Experience: Minimum of 5 years dedicated to fraud or risk management and preferred experience in payments, ecommerce 

• Hacker Mindset: Strong problem-solving and reverse-engineering skills, with the ability to anticipate risks from a fraudster's perspective.

• Payments Expert: Proven ability to identify fraudulent activities across various payment methods in multi-currency, e-commerce environments.

• SQL & Python Expert: Mastery of SQL is a must-have for independent querying of large datasets; Python proficiency is highly preferred.

• Define the Rules, Don't Just Follow Them: Lead end-to-end financial risk strategies—from identifying opportunities to design, testing, and post-production monitoring.

• Counter-Strike: Investigate anomalous activity, perform root-cause analysis on chargebacks, and produce authoritative reports on fraud trends.

• Strategic Liaison: Act as the bridge between Snaplii and payment processors/vendors, managing relationships and ensuring alignment on risk management

Why Join Us

• Building AI-Native Payments

  • Powering how AI agents transact in the real world.

• Explosive Growth

  • 300%+ revenue & TPV growth in 2025, with accelerating momentum into 2026.

• Small Team, Massive Scale

  • <40 people. A lean & high-performance team where every decision moves revenue, risk, and user experience.

• AI-First Engineering Culture

  • 90%+ of code is AI-assisted. Engineers focus on architecture and complex problems

• Direct Access to the AI Frontier

  • Connect with leading AI companies in Silicon Valley, gaining first-hand exposure to cutting-edge advancements.

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