Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

Tailor your resume to this Risk Investigator II role.

Rezi rewrites your resume against KORT Payments's job description. Free.

Resume score gauge reading 58 out of 100

Don't guess if your resume is good enough.

See how it scores against the Risk Investigator II posting at KORT Payments — free, in seconds.

About the Role

The Risk Investigator II is an experienced individual contributor within the Risk team, responsible for complex merchant investigations and time-sensitive operational risk work across KORT's U.S. merchant portfolio. This role combines advanced transaction and portfolio monitoring with risk-based enhanced due diligence (EDD), payment-network and sponsor-bank support, operational escalations, and clear communication with merchants and business partners.

Responsibilities

Monitor transaction activity, portfolio alerts, and relevant risk reporting to identify potential fraud or misuse and material changes in chargebacks, disputes, refunds, declines, authorization behavior, transaction velocity, ticket size, or processing volume
Conduct complex merchant and partner investigations using processing history, underwriting records, websites and customer journeys, public records, adverse information, related-account linkages, and reserve or financial-exposure data
Perform or coordinate risk-based EDD and targeted merchant reviews when ownership, banking information, websites, products, business models, geography, financial condition, or processing behavior materially changes; partner with Credit when renewed underwriting is required
Investigate time-sensitive payment-network and sponsor-bank matters; organize evidence, track required deadlines, assess merchant responses, and prepare clear recommendations for remediation or escalation
Compare actual activity with the approved merchant profile, including products and services, sales channels, transaction patterns, customer geography, fulfillment practices, disclosures, and financial exposure; recommend proportionate monitoring, remediation, account controls, or escalation
Manage clear and timely communications with merchants and business partners regarding account reviews, documentation requests, funding-related questions, remediation expectations, and next steps, while escalating sensitive or high-impact decisions to management
Review complex merchant profile and account-change requests and support funding or reserve-related decisions by validating authority, documentation, account status, financial exposure, downstream refund or chargeback risk, and applicable approval requirements
Maintain accurate case notes, tickets, evidence, and follow-up dates; support retrospective risk reviews and escalate potentially unusual activity through established Compliance channels; ensure high-priority matters have a documented owner, next step, and escalation path
Identify recurring merchant, partner, system, and process gaps; develop procedures, checklists, decision tools, and reporting improvements; and provide quality assurance, cross-training, and practical guidance to less-experienced Risk staff

Requirements

Bachelor's degree or equivalent experience in finance, risk, compliance, criminal justice, business, accounting, or a related field
4+ years of experience in merchant risk investigations, transaction monitoring, payments fraud, acquiring operations, enhanced due diligence, or a related financial-services risk function
Merchant acquiring, ISO, or payment-facilitator experience is strongly preferred
Demonstrated experience assessing high-risk and card-not-present merchant models, including recurring billing, subscription services, digital commerce, direct marketing, or other complex business models, and distinguishing expected activity from meaningful risk indicators
Hands-on experience with risk-based EDD, KYB/KYC reviews, ownership and related-entity analysis, adverse-information research, merchant profile changes, and documented escalation of potentially unusual activity
Working knowledge of payment-network and sponsor-bank monitoring, reporting, remediation, and compliance requirements
Strong analytical ability across processing data, fraud, chargebacks, disputes, refunds, declines, authorizations, reserves, financial exposure, financial statements, bank documentation, websites, and other external information sources
Excellent written and verbal communication, disciplined case documentation, sound escalation judgment, and the ability to manage multiple time-sensitive investigations
Knowledge of U.S. payments risk considerations is preferred

Skills

Risk management
Transaction monitoring
Fraud detection
Enhanced Due Diligence (EDD)
KYB/KYC
Payment processing
Analytical skills
Communication skills
Case documentation
Escalation management

Location

Toronto

Work Type

Full-time
Salaried

Experience Level

4+ years of experience

Education Level

Bachelor's degree or equivalent experience

Salary/Compensations

$80,000 - $90,000

Benefits

Comprehensive Benefits Package: health, dental, and vision plans
Flexible and Inclusive Work Environment
Fun Events: team-building activities, company-wide celebrations
Professional Growth: ongoing learning opportunities, chance to take on new challenges

About the Company

KORT Payments specializes in providing a state-of-the-art omnichannel payments platform designed to make business transactions a breeze.
Their mission is to empower businesses with top-notch capabilities in compliance, risk management, and payment processing.
They operate under the KORT Payments banner alongside Merrco, Payfirma and Barnet.
The company is growing across North America and is excited to bring its proven solutions and innovative approach to new industries.

Equal Opportunity

Actual compensation will be determined based on location, experience, and role requirements, and will comply with applicable local pay transparency laws.