Upgrade Inc.

Merchant Risk Monitoring Investigator

Atlanta · Staff+ · Contract

Sponsorship not specifiedDetected 2 days ago

Data AnalysisJiraCRMOutbound SalesCustomer SupportResearchLeadershipCommunicationCollaborationMicrosoft Office

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.
If you thrive in a high-stakes environment where your work has real impact, this role is for you.

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.
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.
Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.
Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.

The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.
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.
Clear, precise written communication - you can distill a complex investigation into a report that's easy to act on.

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.
Competitive 401(k) and RRSP program
Opportunities for professional growth and development
Environmental & Working Conditions

This listing is sourced directly from Upgrade Inc.'s careers page and normalized into a canonical job model.