Merchant Risk Monitoring Investigator at Upgrade

At Upgrade, we are dedicated to providing responsible and affordable credit, payment, and mobile banking solutions to everyday consumers. Our impact is significant, as we have provided over $25 billion in credit to our 2.7 million customers. We take pride in our rapid growth, having been recognized as the fastest growing company in the Americas by the Financial Times, and we are backed by leading technology investors with a valuation of $6.3 billion. Our culture is built on collaboration, innovation, and inclusivity, and we are proud to be recognized as a top place to work for our commitment to diversity, women, and veterans. We are currently looking for talented professionals to join our team of 1,600 people to help us tackle complex challenges and improve the financial lives of our customers.

About the Role

We are seeking a Senior Merchant Risk Monitoring Investigator to join us on a full-time basis. In this role, you will be a key player in our efforts to assess and mitigate risks tied to our merchant partners. You will apply your expertise in fraud detection and operational risk to ensure we maintain high standards of compliance and security across our merchant services.

Key Responsibilities

• Perform continuous monitoring and analysis of merchant activity to detect suspicious patterns, anomalies, or potential risks.
• Lead investigations into reports and alerts concerning merchant fraud, compliance violations, or other operational concerns.
• Partner with our internal Legal, Compliance, and Operations teams to develop and execute effective strategies for risk mitigation.

Requirements

To be successful in this position, you should possess a strong background in risk management and a commitment to detail. We look for the following qualifications:

• A bachelor’s degree in finance, business, risk management, or a related field, with professional certifications like a Certified Fraud Examiner designation being a plus.
• Extensive experience in fraud detection, merchant monitoring, or operational risk within the payments or financial services sectors.
• Advanced proficiency in Microsoft Office and various data analysis tools, combined with the ability to manage multiple projects independently.
• Excellent communication skills and the ability to collaborate effectively with diverse stakeholders.

Location

This position is available to candidates anywhere and operates on a hybrid work model.

Compensation and Benefits

We believe in supporting our employees through a comprehensive benefits package designed for your well-being and professional growth. Our offerings include:

• Stock options.
• Comprehensive medical, dental, and vision insurance coverage.
• Access to professional development opportunities.
• Participation in company wellness programs.
• The flexibility of a hybrid work environment.