Merchant Risk Monitoring Investigator

Back to jobs Merchant Risk Monitoring Investigator Atlanta Apply Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B. We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts. Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans. We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.   About The Role: We are looking for a skilled and motivated Merchant Risk Monitoring Investigator specializing in merchant monitoring to join our team. The Merchant Risk Monitoring Investigator will be responsible for assessing and mitigating risks associated with our merchant partners. This role requires a deep understanding of operational risk management, fraud detection, and compliance with regulatory standards in the merchant services industry. What You’ll Do: Conduct ongoing monitoring and analysis of merchant activities to identify potential risks, anomalies, and suspicious patterns Investigate alerts, reports, and cases related to merchant fraud, compliance breaches, and other operational issues Collaborate with cross-functional teams, including Risk Management, Compliance, Legal, and Operations, to address identified risks and implement risk mitigation strategies Utilize data analytics tools and techniques to perform in-depth reviews of merchant transactions, account activity, and performance metrics Develop and maintain risk assessment frameworks and monitoring protocols to ensure proactive risk identification and mitigation Stay updated on industry trends, regulatory changes, and best practices in merchant risk management to enhance monitoring processes and controls Prepare detailed reports, documentation, and presentations on investigation findings, risk assessments, and recommended actions Participate in training programs and knowledge-sharing initiatives to enhance team capabilities in merchant risk monitoring and investigation What We Look For: Bachelor's degree in business, finance, risk management, or a related field. Advanced degree or professional certification (e.g., Certified Fraud Examiner, Certified Risk Manager) is preferred Proven experience in operational risk management, fraud detection, or merchant monitoring within the financial services or payments industry Strong analytical skills, with the ability to interpret complex data sets and perform root cause analysis of operational issues Knowledge of regulatory requirements and industry standards related to merchant services, payment processing, and anti-fraud measures Excellent communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders Detail-oriented approach with a focus on accuracy and thoroughness in investigations and reporting Proficiency in using data analysis tools, risk management software, and Microsoft Office Suite Ability to work independently, prioritize tasks, and manage multiple projects simultaneously in a dynamic environment What We Offer You:  Competitive salary and stock option plan 100% paid coverage of medical, dental, and vision insurance  Flexible PTO Competitive 401(k) and RRSP program Opportunities for professional growth and development    Paid parental leave Health & wellness initiatives #BI-Hybrid   #LI-Hybrid For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement . Create a Job Alert Interested in building your career at Upgrade? Get future opportunities sent straight to your email. 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We believe that it’s crucial to Upgrade’s long-term success to create an environment where all employees feel like they belong and have an equal opportunity to succeed. For this reason, we are asking candidates to voluntarily self-identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals. Your responses will not be linked to your identity or your application, and neither recruiters nor hiring managers can see this information at an individual level. Your responses are stored in the aggregate and will not play any role in our hiring decision.  Your decision to participate or not participate in this survey will have no impact on your candidacy at Upgrade. How you do you identify? (Gender identity) Select... Do you identify as LGBTQ+? Select... How do you identify? (Ethnicity) Select... What is your veteran status? Select... What is your disability status? Select... 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