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Transaction Risk Investigator Jobs in California

Thunes

Fraud Risk Manager

San Francisco, CA · On-site

Implement and refine fraud detection models using transaction data, user behavior, device ... Oversee fraud investigations, case management, and operational workflows across payment and payout ...

Thunes

Fraud Risk Manager

San Francisco, CA · On-site

Implement and refine fraud detection models using transaction data, user behavior, device ... Oversee fraud investigations, case management, and operational workflows across payment and payout ...

xAI

Senior BSA/AML Investigator

Palo Alto, CA

$125K - $150K/yr

The Payments team is seeking an experienced BSA/AML Investigator to help detect, prevent, and ... Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews ...

Visa

Senior Manager, Risk Management

San Francisco, CA · On-site

Experience in payments, card systems, or transaction processing. Experience in a compliance, enforcement, investigations, or risk advisory role. Experience in presenting to senior leadership and ...

Mercury

Manager - Account Fraud Enablement

San Francisco, CA · On-site +1

$51K - $62K/yr

You don't need to be the best investigator on the team, but you need to understand how fraud decisioning works: account-level risk signals, transaction monitoring, escalation triage... well enough to ...

cathaybank

Sr. Analyst High Risk EDD

Monterey Park, CA · Remote

$25.85 - $33.65/hr

... transactions, changes in regulatory rules, recent trends and enforcement actions, peer group ... Conduct comprehensive investigations of clients by utilizing CIP information, occupation, line of ...

cathaybank

Sr. Analyst High Risk EDD

Monterey Park, CA · Remote

$25.85 - $33.65/hr

... transactions, changes in regulatory rules, recent trends and enforcement actions, peer group ... Conduct comprehensive investigations of clients by utilizing CIP information, occupation, line of ...

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Transaction Risk Investigator information

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$65

How much do transaction risk investigator jobs pay per hour?

As of Jun 15, 2026, the average hourly pay for transaction risk investigator in California is $39.48, according to ZipRecruiter salary data. Most workers in this role earn between $25.62 and $59.33 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.
What are popular job titles related to Transaction Risk Investigator jobs in California? For Transaction Risk Investigator jobs in California, the most frequently searched job titles are:
What job categories do people searching Transaction Risk Investigator jobs in California look for? The top searched job categories for Transaction Risk Investigator jobs in California are:
Transaction Risk Investigator jobs near you

Fraud Risk Manager

Thunes

San Francisco, CA • On-site

Other

Posted 10 days ago

Job description

About Thunes

Thunes is the Smart Superhighway for money movement around the world. Thunes' proprietary Direct Global Network allows Members to make payments in real-time in over 140 countries and more than 90 currencies. Thunes' Network connects directly to over 12 billion mobile wallets and bank accounts worldwide, via more than 350 different payment methods, such as GCash, M-Pesa, Airtel, MTN, Orange, JazzCash, Easypaisa, AliPay, WeChat Pay and many more.

Thunes' Direct Global Network differentiates itself through its worldwide reach, in-house Smart Treasury Management Platform and Fortress Compliance Infrastructure, ensuring Members of the Network receive unrivalled speed, control, visibility, protection, and cost efficiencies when making real-time payments globally. Members of Thunes' Direct Global Network include gig economy giants like Uber and Deliveroo, super-apps like Grab and WeChat, MTOs, fintechs, PSPs and banks.

Headquartered in Singapore, Thunes has offices in 15 locations, including Barcelona, Beijing, Dubai, London, Manila, Nairobi, Paris, Shanghai, Hong Kong, Miami, Johannesburg, Riyadh, San Francisco and Atlanta For more information, visit: https://www.thunes.com/

Role Context

We are seeking an experienced Fraud Risk Manager to lead the development and execution of our fraud prevention strategy. This role will own the design, implementation, and optimization of real time fraud controls, transaction monitoring, and operational fraud processes supporting both pay in and payout ecosystems in the digital economies, virtual worlds, and creator platforms.

The ideal candidate brings deep expertise in payments fraud, operations, and data driven decision making, with the ability to balance fraud mitigation, customer experience, and operational efficiency. This role will partner closely with Compliance, Product, Engineering, Operations, and external B2B customers to strengthen the overall fraud risk framework.

Key ResponsibilitiesFraud Strategy & Program Development
  • Develop and maintain the enterprise fraud risk program across pay in and payout payment flows.
  • Define fraud risk appetite, control frameworks, and operational standards aligned with business objectives.
  • Establish fraud prevention and detection strategies for ACH, cards, wallets, wires, and alternative payment methods.
  • Design scalable fraud governance, escalation, and incident response procedures.
Real-Time Fraud Controls & Monitoring
  • Own configuration and optimization of real time fraud rules, velocity checks, behavioral monitoring, and transaction risk scoring.
  • Implement and refine fraud detection models using transaction data, user behavior, device intelligence, and external risk signals.
  • Monitor fraud trends, attack patterns, and emerging payment threats to proactively adjust controls.
  • Lead fraud tuning exercises to improve detection accuracy while minimizing false positives and customer friction.
Fraud Operations Management
  • Oversee fraud investigations, case management, and operational workflows across payment and payout channels.
  • Partner with operations teams to improve alert handling, queue management, and SLA performance.
  • Establish KPIs, reporting, and dashboards for fraud performance, operational efficiency, and loss trends.
  • Support dispute, chargeback, account takeover, synthetic identity, and payment abuse investigations.
B2B Customer Support & Advisory
  • Act as a fraud subject matter expert for B2B customers and internal stakeholders.
  • Support customer onboarding and ongoing fraud risk reviews for high-risk clients, payment flows, and use cases.
  • Provide recommendations to customers on fraud controls, transaction monitoring, and operational best practices.
  • Assist with escalations related to fraud events, suspicious activity, and payment abuse.
Cross-Functional Partnership
  • Collaborate with Product and Engineering teams to implement fraud tooling, integrations, and automation initiatives.
  • Partner with Compliance, AML, and Risk teams to ensure alignment between fraud controls and regulatory obligations.
  • Support vendor evaluations and management for fraud tools, KYC/KYB providers, and risk intelligence platforms.
  • Contribute to audits, regulatory inquiries, and internal control assessments related to fraud risk management.
Qualifications
  • 5+ years of experience in fraud risk management within payments, fintech, banking, or financial services.
  • Strong understanding of payment ecosystems including cards, ACH, wallets, and payout platforms.
  • Experience managing real time fraud monitoring systems and fraud decisioning tools.
  • Knowledge of account takeover, synthetic identity fraud, first party fraud, chargebacks, and payment abuse trends.
  • Experience with fraud vendors and tools such as Stripe Radar, Kount, Unit21, or similar platforms.
  • Ability to analyze transaction data and translate fraud insights into operational controls and strategic recommendations.
  • Strong stakeholder management and communication skills.
  • Experience building fraud processes in high growth or evolving operational environments is preferred.
Preferred Skills
  • Experience supporting B2B payment environments.
  • Experience with SQL, BI tools, or fraud analytics platforms.
  • Experience developing fraud metrics, dashboards, and executive reporting.

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