Risk Investigator II

Risk Investigator II WHO WE ARE Welcome to KORT Payments, where innovation meets excellence!

We specialize in providing a state-of-the-art omnichannel payments platform designed to make business transactions a breeze.

Our mission?

To empower businesses with top-notch capabilities in compliance, risk management, and payment processing.

Our trailblazing, enterprise-grade platform, coupled with a veteran management team, ensures we stay ahead of the curve in delivering unparalleled service and satisfaction.

As we continue to grow across North America, we're excited to bring our proven solutions and innovative approach to new industries, while operating under the KORT Payments banner alongside Merrco, Payfirma and Barnet.

LOCATION Toronto

EMPLOYMENT TYPE

Full-time, salaried, new role SALARY RANGE $80,000 - $90,000 Actual compensation will be determined based on location, experience, and role requirements, and will comply with applicable local pay transparency laws.

WHAT YOU WILL BE DOING The Risk Investigator II is an experienced individual contributor within the Risk team, responsible for complex merchant investigations and time-sensitive operational risk work across KORT's U.S.

merchant portfolio.

Reporting to the Director of Risk, this role combines advanced transaction and portfolio monitoring with risk-based enhanced due diligence (EDD), payment-network and sponsor-bank support, operational escalations, and clear communication with merchants and business partners.

You will assess high-risk and card-not-present merchants, translate findings into practical recommendations, and partner with Credit, Compliance/AML, Operations, Collections, Reporting, and external stakeholders.

Final decisions on material reserve changes, account restrictions, closures, and other high-impact actions remain with Risk leadership, while potentially unusual activity is escalated through the appropriate Compliance referral process.

Monitor transaction activity, portfolio alerts, and relevant risk reporting to identify potential fraud or misuse and material changes in chargebacks, disputes, refunds, declines, authorization behavior, transaction velocity, ticket size, or processing volume Conduct complex merchant and partner investigations using processing history, underwriting records, websites and customer journeys, public records, adverse information, related-account linkages, and reserve or financial-exposure data Perform or coordinate risk-based EDD and targeted merchant reviews when ownership, banking information, websites, products, business models, geography, financial condition, or processing behavior materially changes;

partner with Credit when renewed underwriting is required Investigate time-sensitive payment-network and sponsor-bank matters; organize evidence, track required deadlines, assess merchant responses, and prepare clear recommendations for remediation or escalation Compare actual activity with the approved merchant profile, including products and services, sales channels, transaction patterns, customer geography, fulfillment practices, disclosures, and financial exposure; recommend proportionate monitoring, remediation, account controls, or escalation Manage clear and timely communications with merchants and business partners regarding account reviews, documentation requests, funding-related questions, remediation expectations, and next steps, while escalating sensitive or high-impact decisions to management Review complex merchant profile and account-change requests and support funding or reserve-related decisions by validating authority, documentation, account status, financial exposure, downstream refund or chargeback risk, and applicable approval requirements Maintain accurate case notes,…