Job Description

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

Lightspeed is on the hunt for a Junior Risk Underwriter to join our Payments Operations team. You will play an integral role in the preliminary risk assessment process. You will interact with the sales teams to help potential payment customers secure payment products and services. Through its suite of products, Lightspeed processes billions in transaction volume. We are looking for a candidate who can help support the team, contribute to enhancing processes, and systems to ensure we effectively, profitably, and securely price, evaluate risk and underwrite our clients.

You will work on Compliance and Underwriting functions and initially examine sub-merchant applications for legal compliance requirements and adherence to individual company guidelines. This role is critical to the Lightspeed customer journey by facilitating the onboarding and account maintenance experience for payment services.

What you'll be responsible for

• Correspondence with potential payments customers to gather supporting documentation to complete the adjudication process.
• Act as a liaison from Payments Operation to complete new and existing merchant management tasks.
• Perform various account maintenance tasks across multiple systems with an attention to details.
• Maintain good relationships with various teams including responding to questions and concerns that may be urgent in nature.
• Conduct risk assessment and decisioning of low risk applications in the underwriting queue within assigned businesses, in line with acceptable risks as defined within the payment operation policies.
• Perform due diligence in support of all sub-merchant applications.
• Contribute to operational improvements to streamline procedures/processes and enhance service.
• Protect the interests of Lightspeed by ensuring the application is being adjudicated in accordance with assigned discretionary limits and established guidelines.
• Escalate with recommendation those applications that exceed discretionary limits and established guidelines.
• Strong credit and risk acumen, good knowledge of risk and underwriting analysis.
• Strong knowledge of various sanction lists and compliance policy.
• Strong knowledge of products, end to end processes and systems.
• Strong spoken and written communication skills, in English and French.

What you'll be bringing to the team

• 1-3 years in FinTech, Lending or within the Banking industry
• Bachelor's degree in Finance or other business-related field

Even better if you have, but not necessary

• Additional written and spoken language, such as Dutch or Spanish.

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!

What's in it for you?

Come live the Lightspeed experience...

• Ability to do your job in a truly flexible environment;
• Genuine career opportunities in a company that's creating new jobs everyday;
• Work in a team big enough for growth but lean enough to make a real impact.

aEUR and enjoy a range of benefits that'll keep you happy, healthy and (not) hungry:

• Lightspeed RSU program (we are all owners)
• Unlimited paid time off policy
• Flexible working policy
• Health insurance
• Health and wellness benefits
• Paid leave assistance for new parents
• Linkedin learning
• Volunteer days

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.

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 .

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.

Founded in Montreal, Canada in 2005, Lightspeed is dual-listed on the New York Stock Exchange (NYSE: LSPD) and Toronto Stock Exchange (TSX: LSPD). With teams across North America, Europe, and Asia Pacific, the company serves retail, hospitality, and golf businesses in over 100 countries.