Most people think growth happens when a campaign goes live.

In reality, the most important work often happens long before users ever see it.

It's the referral program that drives thousands of new users.
It's the promotion that increases customer engagement.
It's the partnership that unlocks a new acquisition channel.
It's the product launch that creates a better user experience.
It's the operational system that allows a company to scale from thousands of users to millions.

At Snaplii, that's exactly what we're building.

Why Snaplii?

Snaplii is one of Canada's fastest-growing fintech and digital commerce platforms.

Hundreds of thousands of users use Snaplii every day to:

• Save money through discounted gift cards

• Earn rewards on everyday spending

• Manage balances through Snaplii Cash

• Send and receive funds

• Access innovative payment and financial products

But we're only getting started.

As consumer behavior evolves and digital commerce becomes increasingly connected, we're building the infrastructure that powers the future of everyday transactions.

Growth is no longer just marketing.

Growth sits at the intersection of product, operations, customer experience, partnerships, data, and technology.

That's where this role comes in.

The Opportunity

We're looking for a Growth Operations Specialist who enjoys building systems, launching initiatives, solving problems, and making things happen.

This is not a traditional marketing role.

You won't spend your day posting on social media.

You won't be sitting in endless meetings discussing ideas that never get executed.

Instead, you'll be responsible for helping launch and operate many of the growth initiatives that directly impact how users discover, engage with, and transact on Snaplii.

You'll work across Growth, Product, Operations, Customer Support, Finance, and Engineering teams to turn ideas into execution.

If you're someone who loves learning, enjoys fast-paced environments, and wants to understand how a fintech company scales, you'll learn more in one year here than many people learn in five.

What You'll Be Doing

Growth Campaign Operations

• Launch and manage referral campaigns, promotions, user incentives, and growth initiatives

• Configure and maintain in-app banners, promotional placements, pop-ups, landing pages, and campaign assets

• Coordinate campaign launches and ensure smooth execution across teams

• Monitor campaign performance and identify opportunities for optimization

User Lifecycle & Engagement

• Support onboarding, activation, retention, and re-engagement initiatives

• Execute email, SMS, push notification, and in-app engagement campaigns

• Assist in audience segmentation and user targeting strategies

• Help improve user journeys and reduce friction throughout the customer lifecycle

Partnership & Acquisition Operations

• Support affiliate, referral, influencer, and acquisition partner programs

• Coordinate assets, campaign setup, tracking, and reporting

• Review and manage partner applications and partnership requests

• Assist with partner communications and operational support

Growth Analytics & Reporting

• Monitor key growth metrics such as activation, retention, referral performance, and campaign effectiveness

• Prepare weekly and monthly performance reports

• Investigate campaign anomalies and identify opportunities for improvement

• Maintain growth documentation and operational processes

Cross-Functional Project Coordination

• Collaborate with Product, Engineering, Design, Customer Support, Compliance, and Finance teams

• Coordinate testing and QA before campaign launches

• Track project timelines and ensure initiatives are completed successfully

• Help improve internal processes and operational efficiency

AI & Automation

• Use modern AI tools to improve productivity and execution

• Leverage AI to create campaign copy, reports, documentation, and operational workflows

• Identify repetitive processes that can be automated and scaled

What We're Looking For

Must-Haves

• 1-3 years of experience in Growth Operations, Marketing Operations, CRM, Lifecycle Marketing, Affiliate Marketing, E-commerce Operations, Customer Success, Project Coordination, or related fields

• Strong organizational and project management skills

• Excellent communication skills in English

• High attention to detail and strong execution ability

• Comfortable working with spreadsheets and data

• Ability to manage multiple projects simultaneously

• Curious mindset with a willingness to learn

Nice-to-Haves

• Experience working with fintech, consumer apps, loyalty programs, rewards platforms, e-commerce, or digital products

• Experience with referral, affiliate, influencer, or acquisition programs

• Familiarity with marketing automation tools, CRM systems, or analytics platforms

• Experience using AI tools such as ChatGPT, Claude, Gemini, or other productivity tools

• Mandarin proficiency is considered an asset

Who Thrives Here?

You'll likely enjoy this role if:

• You love turning ideas into execution

• You enjoy solving operational puzzles

• You like learning how businesses grow

• You take ownership instead of waiting for instructions

• You are excited by fast-moving startup environments

• You enjoy working across different teams and functions

• You care about outcomes, not just tasks

What You'll Gain

This role offers exposure to:

• Fintech

• Consumer Products

• Growth Strategy

• User Acquisition

• Product Operations

• Partnership Management

• Lifecycle Marketing

• Data-Driven Decision Making

• AI-Powered Workflows

You'll develop a rare combination of operational, analytical, and business skills that can open doors into Growth, Product, Operations, Business Development, or Startup Leadership roles in the future.

Growth doesn't happen because someone talks about it.

Growth happens because someone builds the systems, launches the campaigns, solves the problems, and makes execution happen.

If that sounds like you, we'd love to meet you.

Snaplii is one of Canada's fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $200M in annual transaction volume and 400,000+ users across North America, we deliver unmatched utility through a single seamless app. We consistently rank among the Top 40 Finance Apps on the Apple App Store, powered by a highly engaged user base and partnerships with more than 500 leading brands, including Costco, Walmart, Amazon and Uber.

Behind the scenes, Snaplii operates real payment infrastructure at scale. Together with our merchant payment business, our platform supports thousands of merchants and processes billions of dollars in transaction volume across North America.

Today, we are building what comes next.

As AI agents evolve from answering questions to taking actions, payment becomes the critical missing layer. Snaplii A2M (Agent-to-Merchant) is building the infrastructure that enables AI agents to securely initiate, authorize, and complete real-world transactions.

Our vision is simple:

AI generates demand. Snaplii executes the payment.

We are creating an entirely new category: Agentic Payments — where AI agents, consumers, merchants, and payment networks interact seamlessly through a trusted financial infrastructure.

To help build this future, we are looking for a highly experienced mobile engineer to help define the next generation of AI-native payment experiences.

What You'll Do

• Take Full Ownership: You will own your projects end-to-end, from initial ideation and technical planning through to development, testing, and deployment. You are accountable for the final, high-quality result.

• Proactively Solve Problems: You will actively seek out technical challenges and opportunities for improvement. You won't wait for instructions; you will investigate issues, propose innovative solutions, and take the initiative to implement them.

• Master Inter-team Communication: You will actively and clearly communicate with product managers, designers, and other engineers. You will proactively seek clarification on requirements and lead discussions on technical solutions to ensure a shared understanding.

• Design, develop, and maintain high-performance, reusable, and reliable code for cross-platform mobile applications using React Native.

• Develop, integrate, and optimize native modules in Kotlin/Java for Android and Swift/Objective-C for iOS to access platform-specific features, enhance performance, or resolve complex issues where React Native solutions are insufficient.

• Collaborate closely with product managers, designers, and other engineers to translate complex product requirements into technical specifications and seamless mobile experiences.

• Debug and troubleshoot technical issues across both the JavaScript and native layers of our applications, continuously improving performance, stability, and responsiveness.

• Prioritize tasks effectively, manage your time efficiently, and create detailed technical plans before beginning development.

• Maintain comprehensive technical documentation for all developed features and modules, ensuring clarity and consistency for the team.

• Stay abreast of the latest trends and advancements in both React Native and native Android/iOS development to ensure our applications remain modern, competitive, and leverage the best available technologies.

Qualifications

• 5+ years of professional experience as a Mobile Developer, with a significant focus on both React Native and native Android/iOS development.

• Proven track record of developing, debugging, and successfully deploying mobile applications to both the Apple App Store and Google Play Store.

• Strong proficiency in JavaScript, ES6+, and TypeScript for React Native development.

• Expertise in Kotlin/Java for Android development.

• Expertise in Swift/Objective-C for iOS development.

• Experience with Node.js and consuming/designing RESTful APIs.

• Excellent communication, collaboration, and problem-solving skills.

Bonus Points

• Experience with advanced native UI/UX animations and transitions. 

• Familiarity with CI/CD pipelines for mobile applications (Fastlane, Jenkins, GitHub Actions).

• Experience with cloud services like AWS, Google Cloud Platform, or Azure.

• Contributions to open-source mobile projects.
  
  

Who You Are

• Technically Versatile: You are a master of React Native and are equally skilled in native Android (Kotlin/Java) and iOS (Swift/Objective-C) development. You can seamlessly switch between frameworks to deliver the best possible results.

• Skilled in Node.js: You have a solid understanding of Node.js and can efficiently work with back-end services.

• You are self-motivated and take full ownership. You initiate, drive projects to completion, and demonstrate a strong commitment to quality.

• You are a responsible and proactive problem solver. You can efficiently identify and resolve challenges, demonstrating strong independent work capabilities.

• You have excellent time management and planning skills. You can prioritize competing tasks, manage deadlines effectively, and create clear, actionable development plans.

• You are a meticulous documenter. You understand the critical importance of creating clear, concise, and helpful technical documentation.

Why Snaplii?

We aren’t just building a payment app; we are architecting the AI-driven payment infrastructure of the next generation.

• The Pioneer: Canada’s only integrated "Payment + Deposit" digital wallet.
• Hyper-Growth: Consistent 300% year-over-year business expansion.
• Elite Pedigree: Founded by Spencer Xu—Harvard guest speaker and one of Canada’s Top 250 most influential figures in FinTech. Our core team consists of founding veterans from Fortune 500 giants.
• Global Pulse: Heart in Toronto, soul connected to Silicon Valley (Google, Meta, and TikTok study tours are our "business as usual").

Why This Role?

This isn't an "execution" job; it is a "Nuclear Fusion of Cognition and Resources."

1. The 3-Month "Privileged Immersion"

For your first 90 days, 80% of your time isn't spent "working"—it’s spent observing. You will shadow the CEO in high-level strategic sessions and executive decision-making meetings, experiencing the frontlines of AI-payment strategy. We will personally mentor you on the underlying business logic of FinTech.

2. Sparring with "Billion-Dollar" Minds

Every month, you will have deep exposure to 1–5 high-net-worth founders and CEOs.

• The Duty: Supporting the CEO with scheduling and high-detail logistics.
• The Reward: Beyond the logistics, you will be in the room for discussions on global currency trends and payment strategies. This is a training ground for top-tier networking, resources, and strategic depth that money simply cannot buy.

3. "Light-Speed" Career Path

We don't care about seniority; we care about ambition.

• Velocity: Our record for the fastest promotion is three times in a single year. For the exceptional, there is no ceiling.
• Compensation: Starting base salary of $40k - $50k (entry threshold). However, for those who thrive for 1+ years, the average total compensation (base + bonus) reaches $80k.

4. Dual Security: Immigration & Future

For outstanding international graduates, we provide fully covered LMIA and PNP Employer Sponsorship. Historically, 60% of our high-performing team members in this role have successfully secured their PR through our support.

We are looking for:

• Background: Recent Canadian University/Master’s graduates or 0–2 years of experience (Any major; your ambition matters more than your degree).
• Language: Near-native fluency in English and Mandarin, with the high EQ required to communicate as a peer to C-suite executives.
• Traits: Relentless execution (perfecting the small things), deep analytical thinking, grit, and a fanatical curiosity for FinTech and AI.

Special Interview Perks

• The Challenge: Founder Spencer Xu’s interview style is unique. He doesn't care about your past; he focuses on your future.
• The Surprise: 30% of interviewed candidates will receive an on-the-spot $100 - $500 mystery product experience fund.

Pro-Tip Before You Apply:

Before submitting your resume, search for "Spencer Xu Harvard Speech" and watch the public lectures of SnapPay/Snaplii executives. If you can offer a unique insight into Spencer’s strategic vision during the interview, you’re already halfway there.

Don’t choose comfort during your best years. Join Snaplii, and build the future of payments alongside the world’s brightest minds.

About Snaplii

Snaplii is one of Canada's fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $200M in annual transaction volume and 400,000+ users across North America, we deliver unmatched utility through a single seamless app. We consistently rank among the Top 40 Finance Apps on the Apple App Store, powered by a highly engaged user base and partnerships with more than 500 leading brands, including Costco, Walmart, Amazon and Uber.

Behind the scenes, Snaplii operates real payment infrastructure at scale. Together with our merchant payment business, our platform supports thousands of merchants and processes billions of dollars in transaction volume across North America.Today, we are expanding beyond consumer fintech and building the infrastructure layer for the next generation of AI-native commerce and programmable payments.

As we continue to scale, compliance is not a back-office function — it is a core part of how we launch products, partner with banks, and build trust in the financial ecosystem.

We're not looking for a traditional compliance manager.

We're looking for a hands-on operator who has worked inside fintech, payments, digital wallets, or banking environments and enjoys solving real compliance and AML challenges.

This role is ideal for someone who still likes being close to the work — engaging with banks, supporting audits, reviewing AML processes, and helping launch new financial products.

What You'll Own

AML & Regulatory Compliance

• Serve as a key compliance resource for Canadian and U.S. regulatory requirements

• Maintain and enhance AML, KYC, transaction monitoring, sanctions screening, and reporting programs

• Support FINTRAC compliance obligations, audits, examinations, and regulatory inquiries

• Monitor regulatory developments and translate them into practical business requirements

Banking & Partner Due Diligence

• Work directly with banks, PSPs, and financial partners during onboarding, reviews, and ongoing compliance assessments

• Complete due diligence questionnaires and compliance reviews for new and existing partnerships

• Respond to compliance requests from banking partners and payment providers

• Help explain new products, payment flows, and business models to external stakeholders

Licensing & Regulatory Operations

• Support MSB, PSP, and other licensing requirements across Canada and the United States

• Coordinate filings, renewals, reporting obligations, and audit requests

• Maintain compliance documentation, policies, and operating procedures

Product & Business Enablement

• Partner closely with Product, Risk, Operations, and Engineering teams

• Review new features, payment flows, and growth initiatives from a compliance perspective

• Help the business launch faster while maintaining regulatory integrity

• Provide practical compliance guidance rather than simply identifying risks

What We're Looking For

• 3+ years of compliance, AML, risk, or regulatory experience

• Experience working in fintech, payments, digital wallets, banking, crypto, or other regulated financial services environments

• Strong understanding of:

• FINTRAC

• PCMLTFA

• AML/KYC requirements

• Transaction monitoring

• Sanctions screening

• MSB/PSP compliance obligations

• Experience interacting directly with banks, payment processors, or financial partners

• Comfortable operating independently with minimal supervision

• Strong written and verbal communication skills

• Able to balance regulatory requirements with business growth objectives

Bonus Points

• Experience with FinCEN, U.S. MSB, or MTL requirements

• Experience working with PSPs such as Stripe, Adyen, Paysafe, or similar providers

• Experience supporting wallet products, stored value products, prepaid programs, or cross-border payments

• Previous startup or high-growth fintech experience

• CAMS certification

Who Thrives Here

This role is ideal for someone who enjoys building rather than maintaining.

You'll likely enjoy this opportunity if:

• You prefer solving real compliance problems instead of sitting in endless meetings

• You like working directly with founders, operators, and product teams

• You enjoy taking ownership and figuring things out independently

• You want meaningful influence on a fast-growing fintech platform rather than being one of hundreds of compliance employees at a large bank

If you're looking for a highly structured corporate environment with multiple layers of approvals, this role is probably not the right fit.

If you enjoy rolling up your sleeves and helping build the future of payments, we'd love to speak with you.

At Snaplii, risk management isn't a "brake" on growth—it’s the "supercharger" that enables our 300% explosive expansion. We aren't looking for analysts who just read reports; we want strategists who can reverse-engineer fraud loops and command AI to automatically sever risks.

Important: Location & Relocation

This role is based in our Toronto, Canada office. To foster our high-velocity founding culture, we require this leader to be onsite in Toronto for at least the first 6–12 months. We provide full relocation assistance and comprehensive immigration sponsorship for qualified US-based candidates.

About Snaplii

Snaplii is one of Canada’s fastest-growing fintech platforms, with $100M+ in annual transaction volume and 350,000+ users across North America, Snaplii connects consumers with 500+ leading brands across everyday categories — enabling smarter spending with instant savings and rewards.

Today, Snaplii is evolving beyond a digital wallet into infrastructure for AI-native commerce — enabling secure, programmable transactions between users, brands, and AI agents.

AI drives demand. Snaplii executes the transaction.

About the Role
We are looking for a Risk Leader with deep fraud expertise and raw analytical horsepower. This role will shape and implement cutting-edge risk strategies that drive sustainable growth, minimize losses, and enhance the customer experience. The ideal candidate has direct experience in payment fraud detection and prevention, with the ability to spot fraudulent transactions and translate fraud patterns into scalable, data-driven solutions. This role requires a balance of hands-on fraud investigation, SQL-driven analytics, and collaboration with product and engineering teams to design and implement automated fraud controls.

Key Responsibilities

• Lead the end-to-end development and execution of financial risk strategies—from opportunity identification to design, testing, launch, and post-production performance monitoring.

• Identify, investigate and monitor fraudulent or anomalous activity, including isolating and quantifying specific trends driving changes to fraud and payment patterns.

• Analyze internal and external data and produce authoritative reports and root-cause analysis on fraudulent activities and chargebacks.

• Experienced in collaborating with engineers and product managers to successfully deploy fraud prevention solutions that balance growth with risk control.

• Act as a liaison between the company and payment processors/vendors, with strong communication skills to speak the industry language, manage vendor relationships, and ensure effective alignment on fraud and risk management.

Qualifications

• The ideal candidate is an accountable and resilient team-player who brings a combination of business instincts, technical skills and raw analytical horsepower necessary to support the rapid growth of Snaplli’s business.

• Minimum 5 years of professional work experience; Minimum 3 years in a fraud-related role; Minimum 1 year in the payments industry.

• Experience working with various payment methods in multi-currency environments, ideally within e-commerce or related industries.

• Proven ability to investigate and identify fraudulent activities, including hands-on experience with transaction reviews and fraud case analysis.

• Strong data modeling skills (3+ years): hands-on experience building fraud detection models, user behaviour scoring systems, and transaction anomaly detection models, including feature engineering, model training, evaluation, and deployment.

• Ability to integrate models with risk systems to enable automated, model-driven fraud prevention workflows.

• Proficiency with machine learning frameworks (Python or R with Sklearn, XGBoost, LightGBM, etc.) and prior experience deploying models into production environments.

• SQL proficiency (must-have) — able to independently query and analyze large datasets. Python (good-to-have).

• Previous experience as a Fraud Analyst, Risk Analyst, Operations Specialist, Data Scientist, or Product Manager. Bachelor’s degree in Engineering, Computer Science, Statistics, Finance, or a related analytical/technical field.

• Strong problem-solving skills and reverse-engineering thinking, with the ability to anticipate and predict potential risks from a fraudster’s perspective.

• Proficiency in Mandarin Chinese is an asset but not required.
  
  

Why Join Us

• Building AI-Native Payments

• Powering how AI agents transact in the real world.

• Explosive Growth

• 300%+ revenue & TPV growth in 2025, with accelerating momentum into 2026.

• Small Team, Massive Scale

• <40 people. A lean & high-performance team where every decision moves revenue, risk, and user experience.

• AI-First Engineering Culture

• 90%+ of code is AI-assisted. Engineers focus on architecture and complex problems

• Direct Access to the AI Frontier

• Connect with leading AI companies in Silicon Valley, gaining first-hand exposure to cutting-edge advancements.

Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 250,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app. We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-house—engineered to scale and support a growing suite of financial products.

About the Role

Snaplii is seeking a Staff+ Engineer to build and scale core backend systems while leading cross-functional initiatives across Product, Design, and Operations. You’ll own technical direction for key areas, raise the bar through mentoring and reviews, and communicate clearly with both technical and non-technical partners. This is a fast-paced role for someone who thrives under pressure and can drive ambiguous projects to crisp execution.

Responsibilities

• Design, develop, and maintain high-quality Java services and APIs.
• Translate product requirements into scalable architecture, milestones, and delivery plans
• Own reliability: debug complex issues, improve observability, and drive incident follow-ups to prevent recurrence.
• Lead technical planning and execution for cross-functional initiatives with PM, Design, and Operations.
• Set engineering standards through code reviews, documentation, testing practices, and system design guidance.
• Mentor engineers and help level up the team’s execution quality and velocity.
• Quickly ramp on existing systems and contribute across the stack as needed.

Qualifications

• Bachelor’s degree or higher in Computer Science or related field.
• 5+ years of professional experience in Java development.
• Strong expertise in Java programming, including proficiency with generics and lambda expressions.
• Mastery of object-oriented programming principles and design patterns.
• Advanced knowledge of multi-threading and concurrent programming.
• Strong ability to read, analyze, and work with existing source code.
• Expert knowledge of SQL and MySQL.
• Proficiency in Redis and its various use cases.
• In-depth understanding of AWS services.
• Deep knowledge of Docker and Kubernetes.
• Expertise in Spring Boot, Spring MVC, and Spring WebFlux.
• Skilled in implementing unit tests and integration tests to maintain code quality.
• Exceptional ability to communicate and collaborate across departments.
• proven ability to influence without authority, align stakeholders, and drive projects end-to-end.
• Adaptability to quickly learn new technologies and embrace diverse technical stacks.
• Strong problem-solving skills with a proactive approach to handling challenging tasks.

Required Skills

• Strong expertise in Java programming, including proficiency with generics and lambda expressions.
• Mastery of object-oriented programming principles and design patterns.
• Advanced knowledge of multi-threading and concurrent programming.
• Strong ability to read, analyze, and work with existing source code.
• Expert knowledge of SQL and MySQL.
• Proficiency in Redis and its various use cases.
• In-depth understanding of AWS services.
• Deep knowledge of Docker and Kubernetes.
• Expertise in Spring Boot, Spring MVC, and Spring WebFlux.
• Skilled in implementing unit tests and integration tests to maintain code quality.
• Exceptional ability to communicate and collaborate across departments.
• Adaptability to quickly learn new technologies and embrace diverse technical stacks.
• Strong problem-solving skills with a proactive approach to handling challenging tasks.

Preferred Skills

• Demonstrated ability to take ownership of complex projects and drive them to completion.
• Experience in a startup environment or a high-pressure, fast-paced workplace.
• Familiarity with debugging tools and techniques.

Compensation Package:

• Base Salary: Up to $180,000
• Equity: Significant stock options grant (Targeting 1x of base salary value)
• Bonus: Up to $100,000
• Total Compensation: Up to $300,000+ for top-tier candidates.

Department: Risk & Payments

Compensation: $150K–$200K

About the Role
We are seeking a strategic and data-driven fraud and risk leader to join our Risk & Payments team. This role will shape and implement cutting-edge risk strategies that drive sustainable growth, minimize losses, and enhance the customer experience. The ideal candidate has direct experience in payment fraud detection and prevention, with the ability to spot fraudulent transactions and translate fraud patterns into scalable, data-driven solutions. This role requires a balance of hands-on fraud investigation, SQL-driven analytics, and collaboration with product and engineering teams to design and implement automated fraud controls.

Key Responsibilities

• Lead the end-to-end development and execution of financial risk strategies—from opportunity identification to design, testing, launch, and post-production performance monitoring.

• Identify, investigate and monitor fraudulent or anomalous activity, including isolating and quantifying specific trends driving changes to fraud and payment patterns

• Analyze internal and external data and produce authoritative reports and root-cause analysis on fraudulent activities and chargebacks

• Experienced in collaborating with engineers and product managers to successfully deploy fraud prevention solutions that balance growth with risk control.

• Act as a liaison between the company and payment processors/vendors, with strong communication skills to speak the industry language, manage vendor relationships, and ensure effective alignment on fraud and risk management.

Qualifications

• The ideal candidate is an accountable and resilient team-player who brings a combination of business instincts, technical skills and raw analytical horsepower necessary to support the rapid growth of Snaplli’s business.

• At least 5 years of professional experience; Minimum 3 years in a fraud-related role; Minimum 1 year in the payments industry.

• Experience working with variety of payment methods in multi-currency environment ideally in e-commerce or related industry.

• Strong data modeling skills (3+ years): hands-on experience building fraud detection models, user behaviour scoring systems, and transaction anomaly detection models, including feature engineering, model training, evaluation, and deployment.

• Proven ability to investigate and identify fraudulent activities, including hands-on experience with transaction reviews and fraud case analysis.

• Ability to integrate models with risk systems to enable automated, model-driven fraud prevention workflows.

• Proficiency with machine learning frameworks (Python or R with Sklearn, XGBoost, LightGBM, etc.) and prior experience deploying models into production environments.

• SQL proficiency (must-have) — able to independently query and analyze large datasets. Python (good-to-have).

• Previous experience as a Fraud Analyst, Risk Analyst, Operations Specialist, Data Scientist, or Product Manager. Bachelor’s degree in Engineering, Computer Science, Statistics, Finance, or a related analytical/technical field.

• Strong problem-solving skills and reverse-engineering thinking, with the ability to anticipate and predict potential risks from a fraudster’s perspective.

• Proficiency in Mandarin Chinese is an asset.
  
  

Why Join Us
About Snaplii
Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 250,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app.

We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 80—driven by a highly engaged, high-retention user base. As the most payment-flexible platform in the space, Snaplii supports a wide range of digital payment methods and partners with 400+ leading brands, including Walmart, Amazon, and Esso.

Our platform is fully built and maintained in-house—engineered to handle complex payment flows, scale with demand, and support a growing suite of financial products. We’re actively expanding into new digital finance offerings to help users create, manage, and grow value in their everyday lives.

Join us as we shape the future of everyday spending.

At Snaplii, risk management isn't a "brake" on growth—it’s the "supercharger" that enables our 300% explosive expansion. We aren't looking for analysts who just read reports; we want strategists who can reverse-engineer fraud loops and command AI to automatically sever risks.

About Snaplii

Snaplii is one of Canada’s fastest-growing fintech platforms, with $100M+ in annual transaction volume and 350,000+ users across North America, Snaplii connects consumers with 500+ leading brands across everyday categories — enabling smarter spending with instant savings and rewards.

Today, Snaplii is evolving beyond a digital wallet into infrastructure for AI-native commerce — enabling secure, programmable transactions between users, brands, and AI agents.

AI drives demand. Snaplii executes the transaction.

About the Role
We are looking for a Risk Leader with deep fraud expertise and raw analytical horsepower. This role will shape and implement cutting-edge risk strategies that drive sustainable growth, minimize losses, and enhance the customer experience. The ideal candidate has direct experience in payment fraud detection and prevention, with the ability to spot fraudulent transactions and translate fraud patterns into scalable, data-driven solutions. This role requires a balance of hands-on fraud investigation, SQL-driven analytics, and collaboration with product and engineering teams to design and implement automated fraud controls.

Key Responsibilities

• Lead the end-to-end development and execution of financial risk strategies—from opportunity identification to design, testing, launch, and post-production performance monitoring.

• Identify, investigate and monitor fraudulent or anomalous activity, including isolating and quantifying specific trends driving changes to fraud and payment patterns.

• Analyze internal and external data and produce authoritative reports and root-cause analysis on fraudulent activities and chargebacks.

• Experienced in collaborating with engineers and product managers to successfully deploy fraud prevention solutions that balance growth with risk control.

• Act as a liaison between the company and payment processors/vendors, with strong communication skills to speak the industry language, manage vendor relationships, and ensure effective alignment on fraud and risk management.

Qualifications

• The ideal candidate is an accountable and resilient team-player who brings a combination of business instincts, technical skills and raw analytical horsepower necessary to support the rapid growth of Snaplli’s business.

• Minimum 5 years of professional work experience; Minimum 3 years in a fraud-related role; Minimum 1 year in the payments industry.

• Experience working with various payment methods in multi-currency environments, ideally within e-commerce or related industries.

• Proven ability to investigate and identify fraudulent activities, including hands-on experience with transaction reviews and fraud case analysis.

• Strong data modeling skills (3+ years): hands-on experience building fraud detection models, user behaviour scoring systems, and transaction anomaly detection models, including feature engineering, model training, evaluation, and deployment.

• Ability to integrate models with risk systems to enable automated, model-driven fraud prevention workflows.

• Proficiency with machine learning frameworks (Python or R with Sklearn, XGBoost, LightGBM, etc.) and prior experience deploying models into production environments.

• SQL proficiency (must-have) — able to independently query and analyze large datasets. Python (good-to-have).

• Previous experience as a Fraud Analyst, Risk Analyst, Operations Specialist, Data Scientist, or Product Manager. Bachelor’s degree in Engineering, Computer Science, Statistics, Finance, or a related analytical/technical field.

• Strong problem-solving skills and reverse-engineering thinking, with the ability to anticipate and predict potential risks from a fraudster’s perspective.

• Proficiency in Mandarin Chinese is an asset but not required.
  
  

Why Join Us

• Building AI-Native Payments

• Powering how AI agents transact in the real world.

• Explosive Growth

• 300%+ revenue & TPV growth in 2025, with accelerating momentum into 2026.

• Small Team, Massive Scale

• <40 people. A lean & high-performance team where every decision moves revenue, risk, and user experience.

• AI-First Engineering Culture

• 90%+ of code is AI-assisted. Engineers focus on architecture and complex problems

• Direct Access to the AI Frontier

• Connect with leading AI companies in Silicon Valley, gaining first-hand exposure to cutting-edge advancements.

We are looking for a Financial Product Manager who truly understands how money is stored, moved, and spent—and can translate that understanding into a compliant, scalable product system.

In this role, you will own Snaplii’s next-generation wallet/balance products (Wallet 2.0) and core payments architecture across Canada and the United States. You will design the end-to-end user money flow—from funding to spending to retention—while optimizing payment costs and enabling future cross-border and stablecoin payment capabilities.

What You’ll Own (Key Responsibilities)

1) Wallet / Balance Product Design (Canada & US)

You will lead the product design and execution of Snaplii’s wallet-like balance product (similar to a high-yield wallet / stored value account), including:

• End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints
  
  

• Reward/interest/earnings experience: calculation rules, display logic, user transparency
  
  

• Clear product boundaries under Canadian & US regulatory frameworks
  
  

• Role definitions across stakeholders: Snaplii vs custodian/trust/issuer/payment partners
  
  

• Designing money movement logic that increases retention, improves success rate, and supports future expansion
  
  

2) Compliance-by-Design Product Development

Partner closely with Legal, Compliance, and Banking/Custody providers to translate regulatory requirements into executable product logic, including:

• KYC/KYB and identity requirements
  
  

• Funds segregation / safeguarding principles
  
  

• Account type / balance restrictions and transaction limitations
  
  

• Monitoring, exceptions, and user-facing constraints designed for compliance-first scale
  
  

3) North America Payments Architecture

Build deep product-level understanding and participate in designing these payment rails and their user-facing integration:

• Pay-by-Bank / A2A / Real-time payments
  
  

• Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback, liability shift, MCC, authorization behavior, and settlement constraints
  
  

4) Payment Cost Optimization & Unit Economics

Work with Risk and Finance to optimize payment cost structure and protect margins:

• Improve blended payment costs and steer users toward lower-cost payment paths
  
  

• Reduce chargeback exposure through risk-aware product design
  
  

• Design incentives and UX mechanisms that balance conversion, cost, and experience
  
  

• Build frameworks and decision models to align product growth with sustainable unit economics
  
  

5) (Bonus) Cross-border & Future Payments Enablement

Support Snaplii’s longer-term strategy around cross-border and stablecoin-powered payments:

• Understand how USDC/USDT can enable real-world consumer spending in North America
  
  

• Explore Snaplii’s potential role as the “last-mile consumer spending layer”
  
  

You don’t need to be a crypto trader.
But we do expect a practical understanding of where stablecoins create real value in payment flows.

What We’re Looking For

Must-Have

• 5+ years of experience in fintech product, payments, or wallet/stored value products
  
  

• Hands-on experience building or operating wallet/payment products in Canada and/or the US
  
  

• Deep understanding of at least 2 of the following domains:
  
  

• Wallet / stored value / balance products
  
  

• Bank-to-bank payments (A2A, RTP, EFT, ACH)
  
  

• Card payment networks (Visa/Mastercard) including disputes, risk, chargebacks
  
  

• Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs
  
  

• Ability to simplify complex financial/regulatory requirements into clear product specs and scalable systems
  
  

Nice-to-Have

• Experience partnering with custodian banks, trust accounts, issuers, PSPs
  
  

• Familiarity with MSB / PSP registration-related product design
  
  

• Proven track record launching compliant wallet/balance products from pilot to scale
  
  

• Practical understanding of cross-border payments / stablecoin rails / PayFi
  
  

• Experience building products 0→1 or scaling from compliance-constrained MVP to mass adoption
  
  

Compensation

• Base salary: up to $180K

• Performance bonus: 20–25% of base

• Equity: $50K/year in RSUs or options

Base location:

• San jose us (remote)

Travel: Monthly travel to Toronto during the first three months.

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About Snaplii

Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app.

We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-house—engineered to scale and support a growing suite of financial products.

Why Join Us

• High-Growth Environment – Be part of a fintech reshaping everyday spending in North America.

• Impactful Work – Your strategies directly drive acquisition and growth.

• Collaborative Team – Work with a founding team with 10+ years in payments and fintech.

• Career Growth – Take ownership, lead initiatives, and grow alongside Snaplii.

Global Vision – Help build the next-generation digital wallet with global reach.

Snaplii offers immigration support for qualified candidates, including pathways to work permits and permanent residency.

While others are applying for "cog-in-the-machine" roles, a select few are already taking their seats at the table where the future is defined.

Why Snaplii?

We aren’t just building a payment app; we are architecting the AI-driven payment infrastructure of the next generation.

• The Pioneer: Canada’s only integrated "Payment + Deposit" digital wallet.
• Hyper-Growth: Consistent 300% year-over-year business expansion.
• Elite Pedigree: Founded by Spencer Xu—Harvard guest speaker and one of Canada’s Top 250 most influential figures in FinTech. Our core team consists of founding veterans from Fortune 500 giants.
• Global Pulse: Heart in Toronto, soul connected to Silicon Valley (Google, Meta, and TikTok study tours are our "business as usual").

Why This Role?

This isn't an "execution" job; it is a "Nuclear Fusion of Cognition and Resources."

1. The 3-Month "Privileged Immersion"

For your first 90 days, 80% of your time isn't spent "working"—it’s spent observing. You will shadow the CEO in high-level strategic sessions and executive decision-making meetings, experiencing the frontlines of AI-payment strategy. We will personally mentor you on the underlying business logic of FinTech.

2. Sparring with "Billion-Dollar" Minds

Every month, you will have deep exposure to 1–5 high-net-worth founders and CEOs.

• The Duty: Supporting the CEO with scheduling and high-detail logistics.
• The Reward: Beyond the logistics, you will be in the room for discussions on global currency trends and payment strategies. This is a training ground for top-tier networking, resources, and strategic depth that money simply cannot buy.

3. "Light-Speed" Career Path

We don't care about seniority; we care about ambition.

• Velocity: Our record for the fastest promotion is three times in a single year. For the exceptional, there is no ceiling.
• Compensation: Starting base salary of $35k - $50k (entry threshold). However, for those who thrive for 1+ years, the average total compensation (base + bonus) reaches $80k.

4. Dual Security: Immigration & Future

For outstanding international graduates, we provide fully covered LMIA and PNP Employer Sponsorship. Historically, 60% of our high-performing team members in this role have successfully secured their PR through our support.

We are looking for:

• Background: Recent Canadian University/Master’s graduates or 0–2 years of experience (Any major; your ambition matters more than your degree).
• Language: Near-native fluency in English and Mandarin, with the high EQ required to communicate as a peer to C-suite executives.
• Traits: Relentless execution (perfecting the small things), deep analytical thinking, grit, and a fanatical curiosity for FinTech and AI.

Special Interview Perks

• The Challenge: Founder Spencer Xu’s interview style is unique. He doesn't care about your past; he focuses on your future.
• The Surprise: 30% of interviewed candidates will receive an on-the-spot $100 - $500 mystery product experience fund.

Pro-Tip Before You Apply:

Before submitting your resume, search for "Spencer Xu Harvard Speech" and watch the public lectures of SnapPay/Snaplii executives. If you can offer a unique insight into Spencer’s strategic vision during the interview, you’re already halfway there.

Don’t choose comfort during your best years. Join Snaplii, and build the future of payments alongside the world’s brightest minds.

Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $70M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app.

We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 80—driven by a highly engaged, high-retention user base. As the most payment-flexible platform in the space, Snaplii supports a wide range of digital payment methods and partners with 400+ leading brands, including Walmart, Amazon, and Esso.

Our platform is fully built and maintained in-house—engineered to handle complex payment flows, scale with demand, and support a growing suite of financial products. We’re actively expanding into new digital finance offerings to help users create, manage, and grow value in their everyday lives.

Join us as we shape the future of everyday spending.

Key Responsibilities

1. Own PSP and Bank Relationships

• Build and maintain strong working relationships with key acquiring banks, PSPs (e.g. PaySafe, Stripe, Nuvei), and card networks.
• Act as the primary point of contact for escalations, pricing reviews, integration matters, and compliance alignment.
• Coordinate onboarding of new processors or banking partners across multiple regions.

2. Drive Commercial and Compliance Discussions

• Lead contract negotiations, fee structures, and volume-based pricing discussions.
• Collaborate with Compliance and Legal teams to ensure all offerings meet regulatory and bank partner requirements.
• Help shape product go-to-market strategies by balancing innovation with partner constraints.

3. Cross-functional Execution

• Work with Product, Engineering, Risk, and Compliance to ensure technical integration and business logic aligns with partner policies.
• Monitor and analyze payment data and success rates to drive improvements.
• Stay informed on regional payment trends, scheme mandates, and emerging threats (e.g. chargeback rules, network changes).

4. Strategic Expansion

• Identify and evaluate new partnership opportunities, including regional PSPs, local acquirers, or alternative payment methods.
• Support market expansion by navigating regulatory/partner entry requirements.

Qualifications

• 5–10 years of experience in payments, fintech, or banking, with a focus on partner-facing roles.
• Strong understanding of Visa, Mastercard, Amex, Discover network rules, interchange, chargebacks, and compliance frameworks.
• Proven track record of working with payment processors, acquirers, gateways, and card schemes in North America.
• Direct experience optimizing payment success rates / authorization performance with measurable business impact.
• Strong network of industry contacts (banks, processors, card networks, fintechs).
• Familiarity with fraud prevention, tokenization, 3DS, network tokenization, and PCI compliance.
• Proven ability to negotiate commercial agreements, ideally with PSPs or acquiring banks.

Preferred Background

• Experience at a PSP, payment processor, acquiring bank, or card scheme.
• Hands-on experience with cross-border payments, stored value products, or alternative payment methods (APMs).
• Prior experience at payment networks (Visa/Mastercard/Amex), major acquirers/processors (e.g., Fiserv, Global Payments, Adyen, Stripe, Worldpay).
• Experience launching cross-border payment solutions or optimizing authorization/settlement performance.
• Exposure to crypto, digital wallets (Apple Pay, Google Pay), or alternative payment methods is a plus.
• Knowledge of North American regulatory frameworks (e.g. PCMLTFA, FINTRAC, MSB licensing).