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Senior Analyst, Risk At Peoples Group

Location: Toronto, Ontario

Job Description

Peoples Group is a boutique Financial Institution with offices located in Vancouver, Calgary, Toronto and Montreal that has been in the Canadian marketplace for over 30 years. Our focus is on exceeding our customer’s expectations by providing exceptional customer service backed by extensive product knowledge and experience. We believe that people come first, everyone has strengths, and work should be inspiring, challenging, and fun.

When we opened our doors in 1985, we specialized in residential and multi-family mortgage products and providing short and long term guaranteed investment products. Since then, we have significantly grown our team and product lines to provide innovative solutions for our customers, backed by years of industry expertise and rates, which are among the best in Canada.

The Peoples Group Brands:

  • Peoples Trust Company®: As a federally chartered financial institution, and the anchor of Peoples Group, Peoples Trust offers a portfolio of financial products to individuals and businesses. With the needs of our customers in mind, Peoples Trust specializes in providing expertise in mortgage lending and servicing of Conventional, CMHC and Single-Family Mortgages. Our Deposit Services department provides registered products including RRSPs and TFSAs along with short and long-term investment GICs and high rate e-Savings accounts with online banking convenience.
  • Peoples Card Services® – A leading issuer of Visa* and Mastercard® credit and prepaid cards, we are recognized as a pioneer and innovator of card programs in Canada.
  • Peoples Payment Solutions® – Provides a ‘one stop solution’ for Canadian merchants in partnership with sponsored Independent Sales Organizations, Payment Facilitators, and Processors with connections to Visa*, Mastercard®, Discover and Interac.

About this job:

Under the direction of the Senior Manger, Operations, this position is responsible for the periodic review and daily monitoring of PCS programs as well as assisting with risk management, fraud management and underwriting. Successful execution of the Senior Analyst, Risk role will align the assigned activities to the company’s risk and performance objectives.

Program oversight activities encompass the monitoring of program and partner performance, potential fraudulent transaction activity, the review of reports, new client and volume monitoring, as well as assisting with the management of portfolio exposure, and monitoring credit risk within guidelines.

Job specific Skills:

  • Monitor and analyze daily negative balances
  • Monitor and review new and existing card programs according to Peoples risk guidelines and network requirements
  • Monitor and provide risk analysis of card programs and Program Managers
  • Monitor and report on monthly fraud loss rates by product and program manager
  • Supervise and mentor their direct reports
  • Monitor and report on delinquency rates for credit card portfolio
  • Manage fraud investigations and responses to production orders with partners and law enforcement agencies
  • Monitor program activity, prefunding and security levels on a regular basis and provide risk analysis and recommendations
  • Monitor daily funding exposure on delayed load and settlement funding products, ensure exposure is within tolerance levels
  • Manage government requests, overseeing searches and performing tasks as required
  • Oversee the monitoring and distribute network card alert notifications and impacted cards to partners
  • Manage, review and approve new credit applications within assigned approval limit
  • Review cardholder disputes and make approvals within limits
  • Review cardholder requests for early authorization releases make recommendations
  • Review credit policies and make recommendations for changes
  • Monitor and perform tasks to comply with network fraud and risk guidelines such as, Visa PIRP, MC Global Risk Management Program, MC Fraud Monitoring Program, and MC Fraud Loss Control Standards
  • Monitor card portfolio chargeback volumes and velocities
  • Identify report and/or resolve any deficiencies with AML or KYC standards for new applications and existing accounts
  • Take an active role with process development and improvement within the functional area of Risk Management
  • Represent PCS on various fraud and risk related conference calls
  • Establish and maintain relationships with the appropriate counterpart of Network, Program Manager and service providers in order to facilitate the requirements of position
  • Provide backup coverage for other PCS team members as required

Other information you should know:

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Frequent periods are spent sitting and standing in the same location. While performing the duties of this job, the employee may occasionally be required to move about or lift light objects (typically less than 15 lbs.)

Work Environment:

The regular work environment is usually an office setting with conditions typical of an office. The employee may infrequently be exposed to other conditions, such as outside weather conditions. The work environment usually has a quiet to moderate noise level. When there is a business requirement you may be asked or required to work after regular business hours including nights, weekends, and holidays.

Disclaimer:

This information should not be construed as the position’s exclusive standards. Performing other assigned duties is required. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions. Employees are responsible for knowing and following all company policies and procedures and Federal, Provincial and Local governmental regulations including Occupational Health and Safety requirements while working and representing Peoples Group.

Compensation and Benefits

Competitive salary

Extended Health Care

Paid leave (vacation, personal)

If you are interested in joining our dynamic team, please submit your resume today.

Peoples Group is an Equal Opportunity Employer. Minorities/Women/Veterans/Disabled.


Qualifications

Education

Required

Bachelor's degree or better in Business Economics or related field.
Bachelor's degree or better in Finance or related field.

Preferred

Bachelor's degree or better in Criminology and Criminal Justice.

Experience

Preferred

Minimum 5 years credit approval, risk or fraud experience, preferably within the payment card industry
Ability to analyze data and discern trends
Ability to see the ‘big picture’, yet diligent with details
Good judgement and demonstrated sound decision making skills, with a proactive approach to problem solving
Strong organizational and time management skills with the ability to adapt to change in a high-growth business environment
Comfort with applying existing policy to new business models and risk situations Experience interacting with multiple levels of management internally and externally, from entry-level administrators to senior executives
Demonstrated strong interpersonal and communication skills, both written and oral. Strong computer skills, with advanced skill in MS Office
Bilingual English and French communication skills would be considered an asset