Senior Risk Investigator

Overview

The Senior Risk Investigator is a key individual contributor within Paysafe’s Merchant Risk function, responsible for the proactive monitoring, investigation, and management of fraud and payment risk across the merchant portfolio. This role requires deep expertise in fraud, financial crime, and card payments, combined with strong analytical judgment and decision‑making capability. You will manage your own caseload, take ownership of complex and high‑risk investigations, and make informed, risk‑based decisions to protect the business from financial and regulatory exposure.

As a senior member of the team, you will also play a critical role in supporting escalations, providing guidance to more junior investigators, and contributing to the continuous improvement of risk processes and controls.

• Monitor daily merchant activity to identify unusual patterns, fraud indicators, and emerging risks
• Investigate complex or high‑risk transaction activity across merchants, working with issuing banks, cardholders, and other partners where required
• Apply sound judgment to determine appropriate actions, including account restrictions, funding holds, or escalation
• Manage your own case portfolio, ensuring timely, accurate, and well‑documented decision‑making
• Act as a senior point of support for complex or escalated cases within the team
• Demonstrate strong decision‑making capability, with clear rationale aligned to policy and risk appetite
• Communicate effectively with a range of stakeholders, including merchants, issuing banks, sponsor banks, sales teams, and internal functions
• Provide day‑to‑day guidance and informal coaching to junior investigators
• Assist with workflow coordination and case allocation where needed

• Bachelor’s Degree in finance, business or economics; or an equivalent combination of education and experience.
• Five plus (5+) years’ experience in risk, fraud and financial crime in Payments.
• Demonstrate ability to perform day‑to‑day fraud investigation and risk activities for merchant accountants.
• A self‑starter that requires minimal supervision.
• Strong organizational and analytical skills.
• Experience mentoring and coaching more junior investigators.
• Ability and willingness to take escalated cases and/or merchant calls, when required.
• Excellent communication (written and oral) and interpersonal skills.
• Strong attention to detail and ability to make real‑time, informed decisions.
• Ability to work in a team‑driven environment yet work independently to complete daily expectations and deadlines.

Paysafe provides equal employment opportunities to all employees, and applicants for employment, and prohibits discrimination of any type with regard to ethnicity, religion, age, sex, national origin, disability status, sexual orientation, gender identity or expression, or any other protected characteristics. This policy applies to all terms and conditions of employment.