Merchant Risk Monitoring Investigator

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.  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 patternsInvestigate alerts, reports, and cases related to merchant fraud, compliance breaches, and other operational issuesCollaborate with cross-functional teams, including Risk Management, Compliance, Legal, and Operations, to address identified risks and implement risk mitigation strategiesUtilize data analytics tools and techniques to perform in-depth reviews of merchant transactions, account activity, and performance metricsDevelop and maintain risk assessment frameworks and monitoring protocols to ensure proactive risk identification and mitigationStay updated on industry trends, regulatory changes, and best practices in merchant risk management to enhance monitoring processes and controlsPrepare detailed reports, documentation, and presentations on investigation findings, risk assessments, and recommended actionsParticipate in training programs and knowledge-sharing initiatives to enhance team capabilities in merchant risk monitoring and investigationWhat 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 preferredProven experience in operational risk management, fraud detection, or merchant monitoring within the financial services or payments industryStrong analytical skills, with the ability to interpret complex data sets and perform root cause analysis of operational issuesKnowledge of regulatory requirements and industry standards related to merchant services, payment processing, and anti-fraud measuresExcellent communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholdersDetail-oriented approach with a focus on accuracy and thoroughness in investigations and reportingProficiency in using data analysis tools, risk management software, and Microsoft Office SuiteAbility to work independently, prioritize tasks, and manage multiple projects simultaneously in a dynamic environmentWhat We Offer You: Competitive salary and stock option plan100% paid coverage of medical, dental, and vision insurance Flexible PTOCompetitive 401(k) and RRSP programOpportunities for professional growth and development   Paid parental leaveHealth & wellness initiatives#BI-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. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.