Fraud & Risk Investigator

Payroc; United States; Remote; USD 65,000 - 80,000; Full time

Job summary

Payroc is seeking a Risk Investigator to protect the company, merchants, and partners from financial loss by identifying and investigating potential fraud and other risk factors. This role monitors merchant settlements, transaction activity, and chargeback trends to identify exceptions and mitigate risk.

The Risk Investigator works with merchants, issuing banks, cardholders, sales partners, and internal teams to investigate suspicious activity, gather supporting documentation, and resolve

Qualifications

• Experience in fraud investigation or risk management is preferred.
• College degree required or equivalent experience in risk/credit analysis.
• Excellent verbal and written communication skills.
• Ability to negotiate and communicate with customers in difficult situations.
• Strong data analysis and Excel skills.

Responsibilities

• Analyze merchant activity and settlements to identify risk signals and initiate actions.
• Investigate high‑risk transactions and determine appropriate remediation.
• Communicate with merchants and partners about exception activity and documentation needs.
• Develop intelligence on fraud trends to reduce losses.
• Monitor chargeback trends and educate merchants on best practices.
• Collaborate with internal teams to improve risk controls.

Skills

Fraud investigation

Risk management

Communication skills

Multitasking

Data analysis

Decision making

Education

College degree

Tools

Microsoft Excel

Job description

Payroc is seeking a Risk Investigator to protect the company, merchants, and partners from financial loss by identifying and investigating potential fraud and other risk factors. This role monitors merchant settlements, transaction activity, and chargeback trends to identify exceptions and mitigate risk.

The Risk Investigator works with merchants, issuing banks, cardholders, sales partners, and internal teams to investigate suspicious activity, gather supporting documentation, and resolve