Payments Canada is at the forefront of the Canadian payment ecosystem. Our purpose is to make payments easier, smarter and safer for all Canadians. Every day we are working diligently to ensure your payments are cleared and settled. In 2024 alone, our systems cleared approximately $107 trillion or $424 billion each business day! If you are passionate about payments and want to help ensure that these financial transactions in Canada are carried out safely and securely, working with us is for you!
| Who we are
We are a public purpose, non-profit organization situated at the center of Canada’s payment ecosystem. We own and operate payment systems that process hundreds of billions of dollars’ worth of payment transactions every business day. We convene ecosystem participants to discuss their multiple and diverse interests and ideas and to navigate industry-level challenges. We adhere to a set of values that are our north star:
Inspire trust, build community and enable change.
Payments Canada — where our country connects: Payments Canada — Who we are
| Our culture
With our people in mind, we have created a culture that fosters authenticity, collaboration, innovation and development. We empower one another, make meaningful contributions that not only impact the organization, but our country! We develop and nurture meaningful connections that drive innovation in our ecosystem. We are Payments Canada!
Do you want to make payments easier, smarter and safer for Canada? Join us today!
You need to work here if
- You love working with passionate, ambitious and collaborative colleagues.
- You want to be challenged and lead unique initiatives.
- You want to grow, develop and become a subject matter expert in your field.
- You want your work to make an impact in your community and country.
Come and join us — where payments meet purpose!
| What we are looking for
The Senior Analyst, Fraud Insights will be part of the Fraud Services group within the Fraud Insights Team. This role is responsible for ensuring the safety and soundness of payments by monitoring and analyzing fraud trends, managing threshold alerts, and coordinating fraud escalations. The incumbent will focus on the creation and analysis of fraud reports, and conducting risk reviews supporting member onboarding to ensure alignment with Payments Canada’s fraud risk appetite. This role collaborates closely with internal cross-functional teams and external members to provide insights into market conditions and fraud exposure.
| A day in the life
Responsibilities of the Senior Analyst, Fraud Insights include, but are not limited to:
Central Fraud Services Strategy Support
- Manage the creation and analysis of periodic and ad-hoc fraud reports for the Fraud Insights Team.
- Monitor fraud threshold alerts and coordinate timely investigations and escalations.
- Support member onboarding by providing fraud risk management guidance, due diligence and service documentation.
- Conduct comprehensive fraud risk reviews for payment systems and member participants.
- Analyze quantitative and qualitative data to identify emerging fraud trends and pain points.
- Develop journey flows and business requirements for fraud monitoring system enhancements.
- Manage stakeholder relationships across Industry Relations, Operations, and Risk groups.
- Provide regular status updates on ongoing files, action points, etc.
- Support ad-hoc tasks and projects as required.
Fraud Risk Management
- Advise Compliance teams on prioritizing actions and opportunities to help members align with Payments Canada’s fraud risk appetite
- Optimize user experience and journey flows by developing fraud-risk sensitive journey flows and advising engineering teams on design adjustments
- Monitor severe fraud trends and support the Incident response team in addressing emerging risks.
Analysis & Research
- Analyze quantitative and qualitative data to identify pain points, develop journey flows, and create actionable business requirements
- Own medium to large risks, issues, actions and decisions from meetings.
- Support research teams in gathering information on fraud risks and size of the opportunity / fraud risk exposure
- Review product designs for user experience and provide feedback to development / engineering teams;
- Collaborate with engineering, Enterprise data warehouse group and operational teams to improve reporting, user flows by adjusting control events, layouts or adding/removing information to meet business needs;
- Lead development of user tips, tools and guides to facilitate positive user experience; and
- Analyze and resolve issues and recommend improvements.
Fraud Services Strategy & Business Execution
- Take a lead role in driving forward pre-discovery / discovery phase data & reporting initiatives, develop initiative business cases, and submission of corporate planning
- Liaise with EPMO and resource managers to determine resourcing needs, prepare materials to seek leadership approvals to proceed.
- Drive the end-to-end procurement requisition order, act as the primary point of contact for procurement of services with vendors, and internal legal, procurement and security groups, draft and develop scope of services with the vendor.
- Own the end-to-end process of resolving medium size, moderate complexity business issues, and some large complex issues. Support senior members of the team with resolving medium to large complex business issues.
- Take responsibility for the fraud due diligence onboarding, data & reporting, making strategic recommendations and confidently overseeing the development of the product throughout its lifecycle (i.e., idea generation to market research and post-launch analysis)
Operational Coordination
- Under the direction of senior members of the team coordinate stakeholder meetings including senior management and executive sessions: schedule management, agenda planning, meeting materials preparation, and minute taking & distribution.
- Prepare high quality content for internal executive, members, regulators, solution providers (i.e., vendors) engagement, and participate, as appropriate.
- Assure structured and traceable document management and tag all documents shared externally, provide file structure, manage and store all documents on the shared Google Drive, and with external parties
Relationship Management
- Manage stakeholder (member, vendor, regulator, internal cross functional team) interactions; proactively by providing prompt responses to email inquiries, requests for meetings, management of in a timely manner.
- Establish and maintain ongoing relationships with internal departments, members, regulators, vendors.
- Engage independently with working level internal and external stakeholders.
- Engage independently, and at times with senior representatives, with internal stakeholders (working level and executives), members, regulators, solution providers (i.e., vendors).
Team Enablement
- Assist with establishing product management discipline by drafting appropriate processes, procedures, and workflows.
- Provide mentorship and coaching to new and junior team members.
Technical Competencies
- Advanced data manipulation & visualization skills
- Excellent presentation development skills;
- Experience in using various product management and delivery tooling an asset
- Ability to develop user journey flows and write comprehensive descriptions of requirements;
- Business acumen related to the Financial Services and payments industry
Personal Competencies
- Critical reasoning and analytical thinking – embrace complexity, tolerate ambiguity, think creatively, and understand multiple aspects and impacts of policy;
- High degree of self-direction and familiarity with management and committee processes, the organization’s strategic focus and with the mandates of the various business partners/departments;
- Excellent verbal and written communication skills and experience in presenting across all levels of organizations
- Build effective & productive working relationships across internal and external stakeholders
- Committed to continuous learning and skills development.
| What you need to be successful
- Undergraduate degree in Business, Economics or related discipline.
- Five (5) to Seven (7) years of progressive work experience in fraud analysis, reporting, data analytics, or risk management in the financial sector.
- Advanced data skills preparing, organizing, and summarizing large amounts of information without focusing on statistical modeling and ability to manipulate data
- Proficiency in data manipulation and data visualization techniques to support fraud insights.
- Experience in liaising with internal and external stakeholders at all levels.
- Ability to successfully complete background checks that will be carried out by Payments Canada, including criminal, credit, identity, employment, and education checks.
- Eligibility to successfully complete background checks that will be carried out by Payments Canada, including criminal, credit, identity, employment, and education checks.
| You will really stand out with
- Payments fraud knowledge is a strong asset.
| Salary range
Our target starting rate for this role is $100,300 with flexibility based on your experience and qualifications. The full salary range and benefits package are detailed below.
Please submit your application by July 30, 2026.
| What's in it for you?
- Flexible, hybrid (remote/office) environment.
- Competitive compensation package, including annual variable bonus and defined contribution pension plan with employer matching percentage (if eligible).
- Comprehensive health and dental benefit coverage, including mental health coverage, life insurance and a health spending account for you and your dependents (Permanent and temporary employees with contracts 12 months and over).
- Paid time off: minimum four weeks paid vacation, sick and personal days, December holiday shutdown and cultural holiday observance days.
- 26 weeks of paid maternity and parental leave top-up (if eligible)
- Rewards and recognition program.
- Access to office gym facilities.
- Internal and external professional development opportunities.
- Fun team and organizational events.
- Monthly all staff forums led by our Executive Leadership Team.
| Our Commitment to Fair Hiring
At Payments Canada, we are dedicated to fair, transparent and inclusive hiring. We are an equal opportunity employer and value diversity at our company. Our recruitment process uses automated tools, but not generative AI, to objectively screen and evaluate applications and confirm that a candidate’s qualifications meet job requirements.
It is important to remember that these tools support, but do not replace, human decision-making. Our trained recruitment professionals and hiring managers always make the final hiring decisions.
| Our diversity, inclusion and equity commitment
At Payments Canada, we are committed to making everyone feel they can be themselves and thrive at work. We will continue to build on a foundation of respect and appreciation for diversity in all forms and collectively create an inclusive and equitable culture where our differences are valued.
We are committed to employment equity and actively encourage applications from women, Aboriginal people, persons with disabilities and visible minorities. If selected for an interview, please advise us if you require special accommodation by emailing
[email protected].
We thank all applicants for their interest in this opportunity. Preference will be given to Canadian citizens and permanent residents. Only selected candidates will be contacted for an interview.
