Team Lead, Payment Risk Operations

Hi there! Thanks for stopping by 👋

Are you actively looking for a new opportunity? Or just checking the market? Well… you might just be in the right place!

We’re looking for a Team Lead, Payment Risk Operations to join our Payments team. You will play an integral role in Fraud and loss prevention, merchant credit risk assessment and team innovation. This role is responsible for managing a team of risk analysts to ensure effective monitoring, investigation, and mitigation of payment-related risks, which includes oversight of fraud detection, underwriting new accounts, incident management and ensuring compliance with regulatory and internal policy requirements.

What you’ll be doing:

Reporting to the Senior Manager of Risk Operations you will be responsible for daily team operations, people development and strategic initiatives including but not limited to: 

• Participates in making and executing key people management decisions (e.g. hiring, talent development tasks, disciplinary actions, terminations, etc.)
• Onboarding and training new team members including developing and owning onboarding plans and training content
• Lead and supervise a team of risk analysts, providing coaching, feedback, and development support.
• Oversee daily risk monitoring and investigation activities across all products and payment channels.
• Act as an escalation point for complex cases, providing timely guidance and decision-making.
• Act as incident manager for financial services incidents related to payments risk and fraud
• Manage the underwriting of new accounts, ensuring appropriate risk assessments, due diligence, and documentation are completed.
• Ensure compliance with regulatory, card network, and internal policy requirements across all underwriting and operational activities.
• Coordinates vacations, and time off approvals for the team, as well as task distribution, in order to ensure appropriate service coverage
• Leads knowledge-sharing initiatives, such as: post-mortem reviews, knowledge base updates, training, coaching and leading junior team members, etc.
• Collaborate with fraud, disputes, onboarding, and compliance teams to resolve cross-functional risk issues.
• Support the implementation of new risk tools, systems, and processes.
• Identify patterns and emerging threats in risk activity and escalate insights to management.
• Contribute to continuous process improvements to strengthen controls and enhance efficiency.
• Provide reporting and updates on team performance, risk metrics, and operational challenges.

What you need to bring:

We’re a team of 17 people located globally. The Team Lead will act as the bridge between analysts and senior management, driving team performance, providing guidance on complex cases, and fostering a culture of accountability, compliance, customer focus, and continuous improvement. 

We're looking for a candidate who has experience with the following:

• 5–7 years of experience in payments risk, fraud prevention, or financial operations at a merchant service provider such as a Payments Facilitator or Payments Acquirer
• At least 2 years in a supervisory, team lead, or mentoring role.
• Strong knowledge of payment methods and associated risk/fraud vectors.
• Hands-on experience with underwriting, onboarding, and due diligence processes for payments or financial accounts.
• Familiarity with compliance and regulatory requirements relevant to payments (e.g., AML, KYC, card scheme rules, NACHA, PSD2).
• Experience with fraud monitoring platforms, transaction screening, or case management tools.
• Proven ability to deliver results in fast-paced, high-volume operational environments.
• Excellent analytical and problem-solving skills with attention to detail.
• Effective communicator with strong written and verbal skills in English. As a global company with employees and clients outside of Quebec, fluency in English as a working language is required for this position.

We know that people are more than what’s on their CV. If you’re unsure that you have the right profile for the role... hit the ‘Apply’ button and give it a try!

Be a changemaker

You’ll enjoy:

• A flexible work environment that empowers you to do your best work (3 days a week in office) 
• A culture that celebrates performance
• The chance to make an impact in a team that’s big enough for career growth, but lean enough to make your voice heard
• Career-defining opportunities

Plus benefits designed to keep you happy, healthy and fulfilled.

• Flexible paid time off and remote work policies 
• Equity options, because this is your company too
• Contributions to your pension plan. Your future matters
• Training opportunities to grow your skills and career
• Health and wellness credit so you feel your best
• Time off to volunteer and give back to your community
• Interest groups, employee led networks, social committees to sponsored sports teams
• Computer purchase program to get your personal Macbook
• Enhanced parental leave to support growing families
• Etc…

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes.

Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Where to from here?
Obviously, this has to be mutually beneficial: we want you to step into a role you love, and we want to offer you a place you’re proud to come to every day. For a glimpse into our world check out our career page here.

Lightspeed is building communities through commerce, and we need people from all backgrounds and lived experiences to do that. We were founded in 2005, in Montreal’s gay village and our original members were all part of the LGBTQ+ community. The ethos of our business has been about inclusion from the very beginning, and we strive to provide a workplace where everyone belongs.

Who we are:
Powering the businesses that are the backbone of the global economy, Lightspeed's one-stop commerce platform helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Our cloud commerce solution transforms and unifies online and physical operations, multichannel sales, expansion to new locations, global payments, financial solutions, and connection to supplier networks.