other
Posted May 11Merchant Risk Monitoring Investigator
at Upgraded
Atlanta, United StatesHybrid
Responsibilities
- 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.
- 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.
Requirements
- experience in fraud investigations, merchant monitoring, operational risk, or a closely related field within financial services or payments.
- Experience conducting background research, adverse media reviews, and regulatory/licensing checks.
- 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:
- Familiarity with Jira, case management systems, or investigation tracking platforms. •
- Experience collaborating with or supporting a borrower outreach or rapid response team.
- English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
Benefits
- Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit.
- We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental, and vision insurance Flexible PTO
- Opportunities for professional growth and development Paid parental leave
Additional details
- Upgrade helps customers move in the right direction with affordable and responsible financial products.
- 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 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:
- In this role, you'll be on the front lines of protecting borrowers and preventing financial loss — identifying suspicious merchant behavior, investigating fraud and abuse, and taking action before problems escalate.
- You'll own investigations from initial alert through resolution, work closely with a fast-moving team, and directly influence risk outcomes.
- If you thrive in a high-stakes environment where your work has real impact, this role is for you. What You’ll Do:
- Dig into transaction data, account history, and performance metrics to uncover root causes and build a clear evidentiary record.
- Work with Risk, Compliance, Legal, and Operations teams to implement mitigation strategies and escalate high-risk situations appropriately.