Senior Payments Risk Analyst

About Velora: We’re excited to share that Aplos, Raisely, and Keela have come together to form one unified company, Velora, with a shared mission: to help nonprofit organizations thrive. While we continue to offer the products you know and love, we now operate as one team, dedicated to making nonprofit work easier, more impactful, and more sustainable.

About the role: This role supports Aplos / Aplos Pay. With Aplos, nonprofit groups of every shape, size, and mission can seamlessly run their finances and operations, manage their business and bottom line, and proactively engage their communities and donors when it matters most. We’re a remote team, spread across North America.

As a Sr. Payments Risk Analyst, you own fraud and risk for Aplos Pay — Velora’s payment volume where we take on the fraud risk. You’ll take over day-to-day transaction monitoring, then redesign the process so it scales with smarter rules, automation, and AI.

What will you be doing (your role)?

• Own day-to-day transaction monitoring and fraud/risk review for Aplos Pay, making clear, accountable risk decisions.
• Investigate suspicious activity end-to-end and document outcomes so decisions are consistent and auditable.
• Design, test, and iterate detection rules and monitoring workflows that catch bad activity earlier with fewer false positives.
• Reduce manual load by building practical automation so review capacity grows with payment volume.
• Partner with Customer Success on merchant and customer risk issues; elevate thoughtfully when policy or compliance judgment is needed.
• Partner with IT & Compliance and security stakeholders to keep payments risk aligned with Velora’s broader security and compliance posture.
• Create the operating rhythm for a team-of-one: playbooks, prioritization, and feedback loops without waiting for constant direction.
• Use AI and data tools to speed investigations, spot patterns, and propose rule/process changes while keeping human judgment on final risk calls.
• Track what “good” looks like (e.g. leakage caught, review effort, false positives) and continuously improve the process.
• Enable safe onboarding of more customers onto Aplos Pay as monitoring becomes scalable and reliable.

What we’re looking for (requirements):

• About 5+ years of hands-on payments fraud/risk analysis experience.
• Proven ownership of fraud or risk outcomes, including judgment under ambiguity.
• Comfort operating as a team of one: high autonomy, resilience, and the ability to create structure without heavy management overhead.
• Familiarity with payment processors/rails and fraud tooling; experience working with Stripe (or similar) is an asset.
• Evidence you’ve implemented AI or meaningful automation in a risk, fraud, ops, or similar workflow in previous roles.
• Clear, candid communicator who collaborates well with Customer Success, compliance, and engineering partners.
• Strong business awareness: you connect risk decisions to customer trust, payment volume growth, and nonprofit impact.
• Strong interest in building technical solutions with AI, which could include experience with SQL, APIs, building internal processes, etc.

Why work with us?

• Salary – Compensation band $90K - $125K CAD.
• Paid Time Off — Canada: Everyone gets 4 weeks paid leave plus 11 days of public holidays, as well as an ‘end of year shutdown’ which is an extra 2 week company holiday.
• Work remotely — We’re a remote-first company.
• Training — We’ll support you when you want to learn new skills or pay for conference or course tickets.
• Health Coverage & Retirement — Canada & US: We offer robust medical, dental, vision, disability and life insurance coverages and have a 4% match on Retirement.

If you have any questions or require accommodations in the interview process, please reach out to recruitment@joinvelora.com.

Velora's Commitment to Equal-Employment, Diversity, Inclusion, and Equity: We know with diversity comes strength. Velora provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type.