Bilingual Operations Associate, Risk

This posting reflects a current, actively recruited opening at Float. All applications are being reviewed on a rolling basis. ABOUT FLOAT Float is on a mission to simplify finance for Canadian businesses, empowering them to eliminate complexity and unlock new opportunities. Through our innovative platform, Float enables businesses to streamline financial operations and optimize cash flow, so they can focus on what matters most: growth.   As one of Canada’s fastest growing companies https://www.theglobeandmail.com/business/rob-magazine/top-growing-companies/article-ranking-canadas-top-growing-companies-of-2024/ and top-rated startups in 2025 https://www.linkedin.com/posts/floatfinancial_were-proud-to-share-that-float-has-been-activity-7387093684720300032-2DDz/, 2024 https://www.linkedin.com/pulse/linkedin-top-startups-2024-15-canadian-companies-rise-linkedin-news-llihe/ and 2023 https://lnkd.in/TSU23CA, Float is customer-obsessed, passionate and entrepreneurial, with a team that includes leaders from Uber, Stripe, Shopify, Top Hat, Ada, Doordash, Snowflake, and Wealthsimple.   At Float, everyone is an owner, bringing their unique perspective to our team and product. Your voice is important, and we take having a culture based on feedback seriously. We openly share our thoughts and differing opinions so we can continue to improve. We do our best to keep our decision-making decentralized so that all team members feel ownership in our success. OUR PRODUCT Float is Canada’s intelligent financial operating system, combining modern financial services and software to help businesses spend, save, and grow. Trusted by more than 10,000 Canadian companies, Float provides high-limit corporate cards, automated expense management, next-day bill payments, high-yield accounts, and industry-leading support, all built in Canada, for Canada. Float recently announced our $85 million Series C https://floatfinancial.com/press/float-financial-raises-cad-85-million-series-c, and is backed by world-class investors, including Inovia Capital, Growth Equity at Goldman Sachs Alternatives, OMERS Ventures, and Silicon Valley Bank.   Our team is a collection of ambitious, collaborative and mission-driven people from all walks of life but with one goal: helping Canadian companies not just survive but thrive. And we’re looking for bold innovators to help shape the future of business finance in Canada. AI USE IN OUR HIRING PROCESS We use technology, including artificial intelligence (AI), to support parts of our hiring process. This may include AI-assisted scheduling and candidate communications, and AI-generated interview notes, guides or summaries to help our team focus on the conversation. All hiring decisions are made by our hiring team. ABOUT THE ROLE Float is hiring an Operations Associate to own approval decisions on our Compliance & Risk team, and to make the approvals process faster and sharper while doing it. You are one of the final decision-makers on whether a new customer is onboarded to Float. You collect and review KYB/KYC documentation, work with banking partners, and decide what to do next without waiting to be told. You will be trusted to make the call, explain your reasoning, and escalate only when it truly needs a second set of eyes. We want someone who arrives with relevant experience, looks at our process with fresh eyes, and helps us reduce approval turnaround time without compromising compliance. WHAT YOU'LL OWN - Approval decisions. Review KYB + KYC applications and make the approve, decline, or escalate call. You own the recommendation and the reasoning behind it. - Customer onboarding. Run initial onboarding within our SLAs, including the training, guides, videos, and tutorials that support it. - Stakeholder and partner management. Set clear expectations with prospective customers, Sales, and external banking partners, including delivering a firm "no" when needed. - Process improvement. Spot bottlenecks and gaps in the approvals workflow, propose fixes, and see them through to implementation, not just to a recommendation. - Turnaround time. Track and reduce time-to-decision, using data to show what is slowing us down and what has changed. - Risk collaboration. Work with Revenue, Customer Support, and the wider Risk team to keep Float aligned with industry regulations and service standards. - Special projects. Take on cross-functional work as it comes up. WHAT SUCCESS LOOKS LIKE First 90 days - Making approval decisions independently on standard cases, with clear written reasoning. - Fluent in our KYB/KYC policies, tooling, and banking partner requirements. - One process gap identified, with a proposed fix and supporting data. First 12 months - At least one process or queue improvement you proposed and implemented yourself. - Trusted by Sales, Risk, and banking partners as the person who can make the call and explain why. ABOUT YOU Experience - At least 2 years in an operations, compliance, onboarding, or customer-facing role in financial services, payments, or fintech. - Hands-on KYB and/or KYC experience, or a closely related risk, underwriting, or fraud function. You can draw on real cases to explain how you would approach ours. - Exposure to B2B SaaS or an early to mid-stage startup is an asset. How you work - You make decisions. You can point to specific calls you made yourself, what you weighed, and how it turned out. You know the difference between a decision that is yours and one that needs compliance, and you can explain your reasoning either way. - You push back. You challenge a process, a stakeholder, or a recommendation when you think it is wrong, and you do it constructively. - You are a critical thinker. You connect the dots across documents and data, notice what looks off, and go the extra mile to resolve it before escalating. - You are tenacious. You keep going when a customer is slow to respond, a document is unclear, or a partner pushes back. - You improve things. You have changed a process before and can describe what you did, what you personally owned, and the result. - You have exceptional attention to detail. You rarely miss information needed to complete a task. - You are customer-obsessed. You are responsive, you listen, and you build trust, including when the answer is no. - You are a strong written communicator. You over-communicate by default, in email, chat, and documentation. - You are a quick study and a great teammate. You seek direct feedback, give it, and help the team win together. - You manage large queues. You prioritize conflicting demands and stay calm when incidents land at the last minute. NICE-TO-HAVES - Experience with Zendesk, Retool, Persona, Trulioo, and Slack. We will train you on all of them. - Experience working with banking partners or sponsor banks. - Experience with SLA or turnaround-time reporting. THIS MAY NOT BE THE ROLE FOR YOU IF - You prefer to defer decisions to others rather than own them. - You are not comfortable pushing back on a process, a stakeholder, or a policy. - You want to be told what to do rather than find what needs fixing. - You are not detail-oriented, organized, or efficient. - You do not like regular feedback on your work. - You do not love working asynchronously or thrive in a team environment. IN SHORT At Float, you’ll thrive if you’re bold, curious, and eager to make a real impact. We're building something special—and having a lot of fun along the way. If you’re excited to build, grow, and win together, we’d love to meet you. Protect yourself from recruiting scams. Float only contacts candidates from @floatfinancial.com http://floatfinancial.com addresses and schedules interviews through Ashby or Float calendar invites. We will never ask you to install software, pay a fee, buy equipment or share bank or card details. If something looks off, don't engage.   We’re committed to building a workplace that’s welcoming and accessible for everyone. If you need any accommodations during the hiring process or once you join Float, just let us know! You can reach out to Vic https://www.linkedin.com/in/victoria-boult-b21b2053/ (victoria@floatfinancial.com), and we’ll work with you to make sure you have what you need to succeed.