Senior Business Analyst, Fraud Strategy

About KOHO

We’re 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. We’re 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, we’re 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. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

We’re 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?"

• 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

• 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…