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Über
The Role We're looking for a detail-obsessed, high-ownership Payment Operations & Compliance Specialist to serve as the "Financial Detective" and "Source of Truth" for Chexy. In this role, you will own the end-to-end integrity of our financial plumbing, managing the daily pulse of our FBO and DDA accounts to ensure every dollar is perfectly accounted for. As a unique hybrid of operations lead and regulatory steward, you will build the "playbooks" for our chargeback strategy and revenue protection while ensuring we remain a gold standard for FINTRAC and Bank of Canada compliance. This is a full-time, in-office position (5 days a week) where you'll work side-by-side with our senior leadership team to master the "how" behind a scaling fintech. You will be the bridge between complex financial movement and a seamless customer experience, ensuring our ledgers remain balanced while we build the future of rent payments. Payment Operations & Reconciliation
- Own daily reconciliation across all payment rails (cards, EFT, e-transfer), ensuring FBO/DDA balances, processor reports, and internal ledgers are fully aligned.
- Investigate and resolve payment discrepancies, settlement breaks, and processor-level anomalies with urgency and precision.
- Act as first-line escalation for payment failures, delayed settlements, and payout exceptions, coordinating across engineering, banking partners, and support.
- Maintain operational controls that protect customer funds and ensure accurate, timely movement of money.
- Support Chexy's compliance framework across FINTRAC, Bank of Canada (RPAA), and sponsor-bank requirements.
- Assist with regulatory reporting, audits, policy updates, and evidence gathering to ensure audit readiness at all times.
- Own the end-to-end chargeback lifecycle across card networks.
- Develop data-driven playbooks to improve win rates, reduce fraud exposure, and strengthen evidentiary standards in disputes.
- Partner with engineering and security teams to support compliance with PCI DSS, SOC 2, and internal security controls.
- Assist with evidence collection, control testing, and remediation tracking for IT and security audits (e.g., access controls, logging, incident response).
- Ensure operational processes align with security requirements (e.g., least privilege, data handling, vendor access).
- Use SQL to investigate data issues, reconcile discrepancies, and support compliance analysis.
- Drive automation and tooling improvements (including AI-assisted workflows) to reduce manual effort and operational risk.
- 3–5 years in fintech operations, payments operations, banking operations, or compliance-heavy roles within financial services.
- Strong understanding of Canadian payment systems (cards, EFT, FBO structures).
- Working knowledge of FINTRAC and Bank of Canada (RPAA) expectations.
- Familiarity with PCI DSS and SOC 2 frameworks (hands-on audit experience not required, but exposure is).
- Experience supporting audits, gathering evidence, or working cross-functionally with security/engineering teams.
- Understanding of basic security concepts: access controls, logging, incident response, vendor risk.
- Extremely detail-oriented; comfortable with reconciliations, deadlines, and high accountability.
- Strong investigative mindset — you trace issues to root cause, not just symptoms.
- Comfortable working with data (SQL proficiency preferred).
- Curious about automation, tooling, and scalable systems.
- Mentorship from the Best: You'll be a core member of our analytics and operations team, working directly with leaders who live and breathe fintech. It's a front-row seat to building a category-defining company.
- Strategic Impact: You are the guardian of our capital. Your oversight ensures the financial health and regulatory safety of thousands of tenants across Canada.
- The "Chexy" Vibe: We're a high-performance team that actually likes each other. Expect a culture where we debate SQL optimization and payment logic with the same passion we use to pick a lunch spot. We are fast, ambitious, and have zero tolerance for "corporate boredom."
- Work with the "Extra-Talented": You'll be part of a team that is genuinely obsessed with fintech. If you want to be around people who are smarter than you (in a good way) and can teach you something new every single day, this is the place.
- Sassy & Serious: We take the money very seriously, but we don't take ourselves too seriously. We move fast, we laugh a lot, and we never let "that's how it's always been done" get in the way of a better idea.
Sprachkenntnisse
- English
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