Merchant Risk Monitoring Investigator

Summary

Merchant Risk Monitoring InvestigatorJoin the Merchant Risk Monitoring team as an experienced investigator. You will protect borrowers by identifying suspicious merchant behavior and preventing financial loss.What You'll Do:Monitor merchant accounts on an ongoing basis, identifying anomalies, suspicious patterns, and early warning signs of fraud or borrower abuse.Lead investigations into fraud, compliance violations, contractor misconduct, licensing issues, and abnormal loan activity from intake through resolution.Dig into transaction data, account history, and performance metrics to uncover root causes and build a clear evidentiary record.Conduct background research on merchants, including criminal history, regulatory violations, negative news, and reputational red flags.Prepare thorough, well-organized investigation reports with findings, risk assessments, and recommended actions for leadership and cross-functional partners.Work with Risk, Compliance, Legal, and Operations teams to implement mitigation strategies and escalate high-risk situations appropriately.Contribute to the development of risk frameworks, monitoring protocols, and investigative playbooks to strengthen the team's capabilities over time.Stay current on industry trends, regulatory changes, and fraud schemes relevant to merchant services and home improvement lending.What We Look For:35 years of experience in fraud investigations, merchant monitoring, operational risk, or a closely related field within financial services or payments.Strong analytical instincts you can interpret complex data, spot patterns, and connect dots across large transaction sets.Experience conducting background research, adverse media reviews, and regulatory/licensing checks.Clear, precise written communication you can distill a complex investigation into a report that is easy to act on.Comfortable working independently and managing multiple open cases at once in a fast-paced environment.Proficiency with data analysis tools, risk platforms, and Microsoft Office Suite; experience with AI-assisted research tools is a plus.Bachelor's degree in business, finance, criminal justice, risk management, or a related field. CFE, CRM, or similar certification is a strong plus.Nice To Have:Background in home improvement lending, contractor-funded loan programs, or merchant acquiring.Familiarity with Jira, case management systems, or investigation tracking platforms.Experience collaborating with or supporting a borrower outreach or rapid response team.Exposure to regulatory environments such as CFPB, state licensing frameworks, or contractor compliance requirements.What We Offer You:Competitive salary and stock option plan100% paid coverage of medical, dental, and vision insuranceFlexible PTOCompetitive 401(k) and RRSP programOpportunities for professional growth and developmentPaid parental leaveHealth & wellness initiatives#J-18808-Ljbffr

Job Description

Merchant Risk Monitoring InvestigatorJoin the Merchant Risk Monitoring team as an experienced investigator. You will protect borrowers by identifying suspicious merchant behavior and preventing financial loss.What You'll Do:Monitor merchant accounts on an ongoing basis, identifying anomalies, suspicious patterns, and early warning signs of fraud or borrower abuse.Lead investigations into fraud, compliance violations, contractor misconduct, licensing issues, and abnormal loan activity from intake through resolution.Dig into transaction data, account history, and performance metrics to uncover root causes and build a clear evidentiary record.Conduct background research on merchants, including criminal history, regulatory violations, negative news, and reputational red flags.Prepare thorough, well-organized investigation reports with findings, risk assessments, and recommended actions for leadership and cross-functional partners.Work with Risk, Compliance, Legal, and Operations teams to implement mitigation strategies and escalate high-risk situations appropriately.Contribute to the development of risk frameworks, monitoring protocols, and investigative playbooks to strengthen the team's capabilities over time.Stay current on industry trends, regulatory changes, and fraud schemes relevant to merchant services and home improvement lending.What We Look For:35 years of experience in fraud investigations, merchant monitoring, operational risk, or a closely related field within financial services or payments.Strong analytical instincts you can interpret complex data, spot patterns, and connect dots across large transaction sets.Experience conducting background research, adverse media reviews, and regulatory/licensing checks.Clear, precise written communication you can distill a complex investigation into a report that is easy to act on.Comfortable working independently and managing multiple open cases at once in a fast-paced environment.Proficiency with data analysis tools, risk platforms, and Microsoft Office Suite; experience with AI-assisted research tools is a plus.Bachelor's degree in business, finance, criminal justice, risk management, or a related field. CFE, CRM, or similar certification is a strong plus.Nice To Have:Background in home improvement lending, contractor-funded loan programs, or merchant acquiring.Familiarity with Jira, case management systems, or investigation tracking platforms.Experience collaborating with or supporting a borrower outreach or rapid response team.Exposure to regulatory environments such as CFPB, state licensing frameworks, or contractor compliance requirements.What We Offer You:Competitive salary and stock option plan100% paid coverage of medical, dental, and vision insuranceFlexible PTOCompetitive 401(k) and RRSP programOpportunities for professional growth and developmentPaid parental leaveHealth & wellness initiatives#J-18808-Ljbffr