Risk Strategist

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.

Our mission is to increase the success rate of small businesses. Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we’re changing that. Relay is the all-in-one, collaborative money management platform. We’re building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be ‘on the money'.

Relay is scaling rapidly, and we’re expanding our Risk Strategy team to help safeguard our platform and the millions of small businesses that rely on it. We’re looking for a data-driven, customer-obsessed problem solver who is excited to define risk strategy and drive meaningful impact – not just maintain existing processes.

As a Risk Strategist, you’ll own projects end-to-end, analyzing fraud trends, backtesting and optimizing fraud rules, and collaborating closely with Risk Operations, Customer Experience, Product, Engineering, and Data to strengthen our defenses. You’ll turn insights into rules, processes, and systems that protect our customers and directly influence how we detect and prevent fraud while ensuring a seamless, trusted experience.

At Relay, your work has real reach – helping millions of SMBs operate safely and confidently. If you’re passionate about using data to solve meaningful problems, shaping risk strategy, and making a tangible impact, this is the role for you.

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  We're looking for people who are relentless, curious, and care deeply about the work. You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more. We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive.

  If you require accommodations at any stage of the hiring process, please reach out to your Talent Partner.

  Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check and employment verification through Certn.

  Important Notice: Relay’s recruitment team only contacts candidates and corresponds from official corporate email addresses ending in @relayfi.com. We will never ask for sensitive personal data (such as bank account details, credit card numbers, or social security/insurance numbers) during the initial application or interview stages.

• You have 2+ years of experience in fraud, risk strategy, or data analysis, preferably in fintech, banking, or payments

• You’re proficient in SQL (joins, aggregations, window functions, subqueries) and can write efficient queries with minimal supervision

• You’re analytical and curious, digging into trends to understand the “why” and using data to shape smarter fraud rules

• You own projects from start to finish, defining the problem, diving into data, and driving solutions to completion

• You’re a strong communicator, translating complex insights into clear, actionable recommendations for technical and non-technical stakeholders

• You’re collaborative and know how to navigate cross-functional work with Risk Operations, Customer Experience, Product, Engineering, and Data

• You’re developing risk intuition, understanding not just what works, but why each decision drives downstream impact

• You thrive in fast-paced environments, tackling challenges, optimizing processes, and raising the bar across the team

• You're actively using AI tools in how you work today and you're excited to push what's possible with them

• You have credit risk experience – comfortable with portfolio analysis, decisioning logic, and/or underwriting models

• You’re proficient in Python for advanced analysis or automation

• You have worked in a startup or scale-up environment