ZipRecruiter

Log In

1

Transaction Risk Investigator Jobs (NOW HIRING)

next page

Showing results 1-20

All JobsTransaction Risk Investigator Jobs

Transaction Risk Investigator information

See salary details

$24

$40

$65

How much do transaction risk investigator jobs pay per hour?

As of Jul 10, 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.

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.
More about Transaction Risk Investigator jobs
What states have the most Transaction Risk Investigator jobs? States with the most job openings for Transaction Risk Investigator jobs include:
What job categories do people searching Transaction Risk Investigator jobs look for? The top searched job categories for Transaction Risk Investigator jobs are:
Transaction Risk Investigator jobs near you
Infographic showing various Transaction Risk Investigator job openings in the United States as of July 2026, with employment types broken down into 92% Full Time, 7% Part Time, and 1% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $83,215 per year, or $40 per hour.
Merchant Risk Monitoring Investigator

Merchant Risk Monitoring Investigator

Upgrade

Atlanta, GA • Hybrid

Other

Medical, Dental, Vision, Retirement, PTO

Re-posted 25 days ago

Job description

About the Role:

We're looking for an experienced, detail-driven investigator to join our Merchant Risk Monitoring team. 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.

This isn't a passive monitoring role. 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:

  • 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:

  • 3-5 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's 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 plan
  • Medical, dental and vision insurance with employer paid options
  • Flexible PTO
  • Competitive 401(k) and RRSP program
  • Opportunities for professional growth and development   
  • Paid parental leave
  • Health & wellness initiatives

#BI-Hybrid   #LI-Hybrid

For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

Apply