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Transaction Risk Investigator Jobs (NOW HIRING)

Paylocity

Fraud Risk Analyst

Schaumburg, IL · On-site

Investigate transaction history and supporting data to assess dispute legitimacy. * Submit ... Escalate high-risk issues to Risk Investigators or Managers with appropriate documentation.

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How much do transaction risk investigator jobs pay per hour?

As of Jun 12, 2026, the average hourly pay for transaction risk investigator in the United States is $40.01, according to ZipRecruiter salary data. Most workers in this role earn between $25.96 and $60.10 per hour, depending on experience, location, and employer.

Is a transaction risk investigator a good job?

A transaction risk investigator analyzes financial transactions to detect and prevent fraud, often working for financial institutions or e-commerce companies. The role requires attention to detail, analytical skills, and familiarity with fraud detection tools; it can offer stable employment and opportunities for career advancement. Job satisfaction depends on individual interests in security, investigation, and problem-solving.

What is the highest paying investigator job?

Senior investigator roles, such as senior fraud or financial crime investigators, tend to have the highest salaries in the investigation field. These positions often require extensive experience, specialized skills, and sometimes certifications, and they can offer six-figure compensation depending on the industry and location.

What are some typical challenges faced by Transaction Risk Investigators, and how can new hires prepare for them?

Transaction Risk Investigators often encounter complex cases involving fraud, identity theft, and suspicious transaction patterns. One common challenge is accurately analyzing large volumes of data under tight deadlines while maintaining attention to detail. New hires can prepare by familiarizing themselves with fraud detection tools, improving their analytical skills, and staying updated on emerging fraud trends. Collaboration with cross-functional teams such as customer service, compliance, and IT is frequent, so strong communication skills and adaptability are valuable assets in this role.

What are the key skills and qualifications needed to thrive as a Transaction Risk Investigator, and why are they important?

To thrive as a Transaction Risk Investigator, you need strong analytical skills, attention to detail, and a background in finance, risk management, or a related field. Familiarity with fraud detection systems, data analysis tools, and case management software is typically required. Excellent problem-solving abilities, effective communication, and a high level of integrity are crucial soft skills. These competencies are vital for accurately identifying fraudulent activity, minimizing financial losses, and maintaining trust in financial transactions.

What does a Transaction Risk Investigator do?

A Transaction Risk Investigator is responsible for identifying and investigating potentially fraudulent or suspicious transactions to protect a company and its customers from financial loss. This role involves analyzing transaction patterns, reviewing account activities, and using specialized tools to detect and assess risks. Investigators work closely with other teams to resolve issues, prevent fraud, and ensure compliance with company policies and regulatory requirements. Their work is essential in maintaining the integrity and security of financial transactions.

What skills do you need to be a risk investigator?

A Transaction Risk Investigator needs strong analytical skills to assess transaction data and identify suspicious activity. Attention to detail, knowledge of fraud prevention tools, and good communication skills are essential for investigating and reporting risks effectively. Familiarity with industry regulations and experience with data analysis software can also be beneficial.
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Transaction Risk Investigator jobs near you
Infographic showing various Transaction Risk Investigator job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 90% Full Time, and 9% Part Time. Highlights an 88% Physical, 4% Hybrid, and 8% Remote job distribution, with an average salary of $83,215 per year, or $40 per hour.

Team Lead, Transaction Risk & Recoveries

Bluevine - US

Salt Lake City, UT • Remote

$72K - $80K/yr

Other

Posted 27 days ago

Job description

About the Role

As a Team Lead, Transaction Risk & Recoveries at Bluevine, you will support day-to-day transaction monitoring and recovery efforts while guiding analysts through complex fraud investigations. This role combines hands-on investigative work with team support, helping ensure consistent execution, strong risk awareness, and timely resolution of cases. You will play a key role in strengthening risk controls and helping the company effectively manage complex and high-risk cases.

What You'll Do

  • Lead and support the team in reviewing, analyzing, and resolving system-generated transaction monitoring alerts across all transaction types (wire, ACH, check, etc.)
  • Provide guidance on complex cases, helping analysts identify fraud trends, anomalies, and high-risk activity across alerts and transaction data
  • Manage and document suspicious activity cases, ensuring findings are accurate, complete, and maintained to a high standard
  • Ensure compliance with applicable laws, regulations, internal policies, and industry best practices, including NACHA requirements
  • Support transaction monitoring controls, risk assessments, and mitigation strategies to reduce exposure
  • Partner with the appropriate teams to investigate suspicious activity and support fraud prevention efforts
  • Review and respond to external fraud requests and inquiries received from financial partners
  • Maintain SLAs and deadlines while helping the team prioritize work effectively
  • Collaborate cross-functionally with Product, Account Risk, and Customer Service to balance customer experience with risk mitigation
  • Lead recovery efforts and strategies, including working closely with partner banks to identify optimal recovery paths (i.e. indemnification processes, recalls, customer repayments) and mitigate fraud-related losses
  • Build and maintain strong relationships with financial partners to improve recovery outcomes and streamline resolution processes
  • Support the team in documenting recovery cases and evidence for disputes, indemnification, and potential legal actions
  • Step in to assist analysts, review escalations, and provide coaching when needed to support team performance and development

What We Look For

  • Bachelor's degree in Business, Finance, Economics, or related fields
  • 5+ years of experience analyzing fraud trends, preferably in a financial institution or fintech 
  • Previous transaction monitoring experience around credit, debit, checks, online, wire, and/or ACH is preferred
  • Ability to effectively gather and analyze information in the course of investigations and reviews
  • A team player who is able to work on a variety of projects simultaneously
  • Proficiently uses Excel to create spreadsheets, models, and reports
  • Able to clearly and effectively communicate verbally and in writing
  • Applicants must be currently authorized to work in the United States on a full-time basis

New Hire Base Salary Range: $72,100 - $80,000

At Bluevine, we recognize the importance of fair and competitive compensation. Exact compensation may vary based on a variety of factors, including your experience, skills, and qualifications, as well as market trends. 

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