Risk Analyst (Onboarding)

Join Relay, a fast-growing fintech company, as a Risk Analyst (Onboarding). In this entry-level role, you will review and make decisions on new business applications, detect patterns of fraud, and suggest improvements to onboarding rules and controls. You will have the opportunity to work in a hybrid environment, receive competitive salary and equity, and enjoy comprehensive health benefits, flexible vacation, and a dog-friendly office.

You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more

About Relay

You push relentlessly for reinvention: You're always asking "how can this be better?" -- in your work, in your craft, in yourself. Comfort is a signal to push harder, not coast. You'd rather build something better than defend something familiar

You seek out feedback: You see directness as respect, not criticism. You actively seek input, sit with hard truths, and use feedback as fuel for improvement

Small businesses are why we're here: Relay exists to help them thrive -- and that mission has to resonate with you

You’re energized by complexity and ambiguity: You enjoy tackling problems that don’t come with a playbook. You’re comfortable building from scratch, iterating as you go, and collaborating to shape the best path forward

You crave autonomy: We trust our team with big challenges and the freedom to solve them. If you’re someone who takes initiative, is comfortable taking risks, and seeks input when needed, you’ll find the freedom here empowering

You build with AI. You're actively using AI tools today, and you can show a concrete example of doing something with AI you couldn't have done without it

Responsibilities

• Review and decision new business applications end-to-end, including compliance checks, KYC/KYB, document verification, and fraud review.
• Detect patterns that don't belong, such as synthetic identities and altered or fraudulent documents, and make approve/decline calls.
• Suggest improvements to onboarding rules and controls, flagging rules generating false positives and spotting gaps that let bad actors through.
• You seek out feedback. You see directness as respect, treat feedback as fuel, and update your thinking fast
• You don't clock out at the minimum. Repetitive queue work doesn't drain you — you sustain high output and treat the reps as where the improvement ideas come from
• Working knowledge of KYC/KYB and how compliance shapes onboarding decisions

Requirements

• You own your work: You take pride in your work, follow through on commitments, and feel a deep sense of responsibility for outcomes, not just tasks
• You're energized by ambiguity. Risk work rarely comes with a playbook — grey-area judgment calls sharpen you rather than stall you
• You care about impact, not noise: You care deeply about the substance of your work. You measure success by results, not recognition, and you let your work speak for itself
• You build with AI, not just use it: You're actively embedding AI into how you work, pushing what's possible, and bringing your team along with you
• You're a recent graduate or early in your career with strong judgment — you make sound calls on incomplete information and can explain your reasoning. (This is an entry-level role: we'll teach you the tools, KYC/KYB, and fraud investigation.)
• You're a problem solver with high agency. You don't just spot issues — you come with solutions and drive them forward without waiting to be asked
• SQL proficiency — you can pull your own data without waiting on analytics
• A customer-experience instinct — you care about reducing friction, not just stopping fraud
• Prior queue or operations experience: support, review, moderation, claims — anything with reps
• Exposure to fintech, banking, payments, fraud, or risk — through coursework, co-ops, internships, or projects