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Overview

Merchant Risk Investigator I role at Paysafe. You’ll be a vital part of our Risk team, safeguarding the business against fraud and other threats. You’re naturally curious, analytical, and passionate about risk prevention. When something doesn’t seem right, you dig deep to uncover the root cause. In this role, you’ll monitor merchant activity for signs of fraud or unusual behavior, analyze data to identify patterns, and take decisive action to mitigate risk. You’ll also ensure compliance with NACHA regulations and contribute to the development of risk mitigation strategies across electronic payments.

Key Responsibilities

• Lead fraud investigations, regulatory inquiries, and compliance assessments.
• Monitor ACH transactions for fraud, unusual patterns, or regulatory violations.
• Use fraud detection dashboards to analyze trends and generate alerts.
• Partner with Underwriting, Compliance, and IT to investigate suspicious activity.
• Ensure adherence to NACHA guidelines and regulations.
• Collaborate with internal teams and merchants to implement risk rules aligned with business risk appetite.
• Initiate funding holds / releases within authorized limits and investigate potential financial losses.
• Assist in refining risk rules, thresholds, and reporting metrics.
• Evaluate risk alerts and loss trends to optimize Risk Monitoring System parameters.
• Monitor daily merchant batch settlements to detect irregular transaction patterns and mitigate potential losses.
• Investigate high-risk or suspicious transactions by engaging with merchants, issuing banks, and cardholders.
• Analyze merchant transaction volumes, chargebacks, and account behavior.
• Communicate with merchants and sales offices regarding exceptions or suspicious activity; request supporting documentation.
• Support special projects and additional duties as needed.

Qualifications

Why work at Paysafe?

Equal Employment Opportunity

Paysafe offers equal employment opportunities to all its employees and applicants for employment and prohibits any form of discrimination based on ethnicity, religion, age, sex, nationality, disability, sexual orientation, gender identity or expression, or any other protected characteristic. If you require any reasonable accommodation, please let us know. We are happy to assist you and look forward to hearing from you.

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