Weâre on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. Weâre a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.
At KOHO, weâre not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.
KOHO is entering its next chapter - leaner, smarter, more AI-integrated. Weâre building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, youâll fit right in.
About The Role
Weâre looking for a Senior Business Analyst, Fraud Strategy to join our team for a role to work remotely based in Canada.
At KOHO, we're building a financial system that works for everyone, and that means staying ahead of fraud and financial crime. As a Senior Business Analyst on our Fraud Strategy team, you'll be a core contributor to the data systems, models, and controls that protect our users and business.
You'll work at the intersection of data and financial crime risk, translating complex fraud and AML challenges into analytical frameworks and actionable strategies. The best person for this role brings deep knowledge of how fraud actually works: the patterns, the motivations, the evolving tactics, and uses that expertise to build smarter, more targeted controls.
Technical depth alone isn't enough. We want someone who thinks like a customer: someone who understands that every friction point, every false decline, every delayed transaction has a real person on the other side. You'll balance risk mitigation with a product mindset, asking not just "does this stop fraud?" but "does this make KOHO better for our users?"
What Youâll Be Doing
You'll be owning the end-to-end fraud control landscape on applications and transactions: assessing what's working, spotting what's missing, and driving improvements that reduce losses and protect customers
You'll be leading the design and evolution of our fraud detection models, treating them as living systems that need to keep pace with how threats change
You'll be developing a deep understanding of the fraud patterns specific to KOHO, and taking accountability for defining and executing the strategies to address them
You'll be championing the customer experience within risk decisions, ensuring controls are as precise as possible so legitimate customers are never caught in the crossfire
You'll be identifying and implementing automation opportunities that make the team faster and more scalable, without sacrificing accuracy or oversight
You'll be building and presenting business cases that turn data and risk insights into clear investment decisions, whether that's a new control, a vendor change, or a shift in strategy
You'll be partnering closely with stakeholders across Product, Engineering, Compliance, and Operations to co-develop solutions, ensuring fraud considerations are embedded from the start
Who You Are
You have at least 3 years of experience working in fraud teams, with a solid understanding of fraud/scam trends and prevention concepts across payments and banking.
You start with the problem: you ask why, dig into the data, and don't stop until you've found the root cause
You go beyond your job description. When a problem calls for a new tool or approach, you learn it and bring the team along with you
You have strong SQL skills, with proven ability to build reports and present data clearly. Experience with Sigma, DBT, Python (Pandas,numpy) is a strong asset
You have a track record of analyzing transactional and user data to develop and refine fraud rules and models
You are familiar with fraud prevention platforms and third-party vendor tools, and have the confidence to push those partnerships to get the most out of them
You are comfortable leading cross-functional, multi-stakeholder projects and communicating findings and recommendations through clear, compelling presentations.
The budgeted salary range for this role is $95,000 - 115,000CAD / year.
At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.
Ă propos du poste
Nous sommes Ă la recherche dâun(e) analyste principal(e), stratĂ©gie de fraude pour se joindre Ă notre Ă©quipe dans le cadre dâun poste en tĂ©lĂ©travail, basĂ© au Canada.
Chez KOHO, nous bĂątissons un systĂšme financier qui fonctionne pour tout le monde, et cela signifie garder une longueur dâavance sur la fraude et la criminalitĂ© financiĂšre. En tant quâanalyste principal(e) au sein de notre Ă©quipe StratĂ©gie de fraude, vous jouerez un rĂŽle clĂ© dans lâĂ©laboration des systĂšmes de donnĂ©es, des modĂšles et des contrĂŽles qui protĂšgent nos utilisateurs et notre entreprise.
Vous travaillerez Ă lâintersection des donnĂ©es et du risque liĂ© Ă la criminalitĂ© financiĂšre, en traduisant des enjeux complexes de fraude et de LRPC/FAT en cadres analytiques et en stratĂ©gies concrĂštes. La personne idĂ©ale pour ce rĂŽle possĂšde une comprĂ©hension approfondie de la fraude dans la pratique : ses schĂ©mas, ses motivations, lâĂ©volution des tactiques, et sait mettre cette expertise Ă profit pour concevoir des contrĂŽles plus intelligents et mieux ciblĂ©s.
La profondeur technique seule ne suffit pas. Nous recherchons quelquâun qui pense comme un client : une personne qui comprend que chaque point de friction, chaque faux refus, chaque transaction retardĂ©e a une incidence rĂ©elle sur une personne. Vous saurez trouver lâĂ©quilibre entre lâattĂ©nuation des risques et une approche produit, en vous demandant non seulement « est-ce que cela permet dâarrĂȘter la fraude? », mais aussi « est-ce que cela amĂ©liore lâexpĂ©rience KOHO pour nos utilisateurs? »
Ce que vous ferez
Vous serez responsable de lâensemble de lâĂ©cosystĂšme de contrĂŽle de la fraude pour les demandes et les transactions : Ă©valuer ce qui fonctionne, repĂ©rer les lacunes et mettre en Ćuvre des amĂ©liorations qui rĂ©duisent les pertes et protĂšgent les clients
Vous dirigerez la conception et lâĂ©volution de nos modĂšles de dĂ©tection de fraude, en les traitant comme des systĂšmes vivants qui doivent Ă©voluer au rythme des nouvelles menaces
Vous dĂ©velopperez une comprĂ©hension approfondie des schĂ©mas de fraude propres Ă KOHO et assumerez la responsabilitĂ© de dĂ©finir et dâexĂ©cuter les stratĂ©gies pour y rĂ©pondre
Vous dĂ©fendrez lâexpĂ©rience client dans le cadre des dĂ©cisions liĂ©es au risque, en veillant Ă ce que les contrĂŽles soient aussi prĂ©cis que possible afin que les clients lĂ©gitimes ne soient jamais touchĂ©s par erreur
Vous repĂ©rerez et mettrez en Ćuvre des occasions dâautomatisation qui permettront Ă lâĂ©quipe dâĂȘtre plus rapide et plus Ă©volutive, sans compromettre lâexactitude ni la supervision
Vous Ă©laborerez et prĂ©senterez des analyses de rentabilisation qui traduisent les donnĂ©es et les constats liĂ©s au risque en dĂ©cisions dâinvestissement claires, quâil sâagisse dâun nouveau contrĂŽle, dâun changement de fournisseur ou dâun changement stratĂ©gique
Vous collaborerez étroitement avec des parties prenantes des équipes Produit, Ingénierie, Conformité et Opérations afin de co-développer des solutions et de vous assurer que les considérations liées à la fraude sont intégrées dÚs le départ
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