Senior Risk Investigator

Date: 08-Sep-2022

Location: FL, US

Company: Paysafe

About Paysafe Limited:

Paysafe Limited (“Paysafe”) (NYSE: PSFE) (PSFE.WS) is a leading specialized payments platform. Its core purpose is to enable businesses and consumers to connect and transact seamlessly through industry-leading capabilities in payment processing, digital wallet, and online cash solutions. With over 20 years of online payment experience, an annualized transactional volume of over US $120 billion in 2021, and approximately 3,500 employees located in 10+ countries, Paysafe connects businesses and consumers across 100 payment types in over 40 currencies around the world. Delivered through an integrated platform, Paysafe solutions are geared toward mobile-initiated transactions, real-time analytics and the convergence between brick-and-mortar and online payments. Further information is available at



The Senior Merchant Risk Investigator position is an integral part of Paysafe’s Risk team. This role has responsibility for monitoring for fraud and maintaining acceptable loss ratios by effectively analyzing and acting on accounts that expose Paysafe to unnecessary business risk. The ideal candidate should have an advanced understanding of common risk trends, chargebacks, and understand review of financial records, such as invoices, balance sheets and bank statements. The role requires interaction with Independent Sales Offices (ISO’s) and their agents and merchants, requiring professionalism and the ability to stay calm to provide a world class experience to our internal and external customers. Senior Risk Investigators will be responsible for showing leadership and guidance to Risk Investigator I and Risk Investigator II. The position is a hybrid work from home opoortunity located in Jacksonville, Florida



  • Monitors and analyzes daily merchant batch / transaction activity to detect irregular patterns in transaction activity, taking appropriate action to mitigate loss.
  • Investigates high risk / suspicious transaction activity with merchants, issuing banks, and cardholders.
  • Communicates with merchants, agents and Independent Sales Offices as needed to verify activity observed through transaction and batch review.
  • Provide education on proper card acceptance and fraud prevention best practices where applicable.
  • Compiles card brand reporting and identifies merchants which require additional analysis
  • Initiates funding holds/releases within authority levels and investigate any potential losses as appropriate; or recommends same to leadership for those outside of authority guidelines.
  • Maintains a constant state of awareness with respect to economic conditions and leverages that knowledge in decision activities
  • Maintain a constant state of awareness with respect to economic conditions and leverages that knowledge in decisions / recommendations.
  • Collaborate with peers and leadership to implement system / process improvements.
  • Liaison with sponsor banks for investigations and chargeback program management as required for role.
  • Performs other critical job functions as assigned.


Education and Experience:

  • Bachelor’s Degree in finance, business, or economics; or an equivalent combination of education and experience.
  • Five plus (5+) years’ experience in risk, credit underwriting or dispute/chargeback resolution, or collections in Acquiring / Bankcard payments.
  • Ability to calculate potential losses and exposure and articulate findings to both management and merchant.
  • Basic knowledge of various card brand rules and regulations.
  • Intermediate experience with industry standard risk systems / processes including:  Aperia, First Data/Fiserv, TSYS, eConnections, Real Time Fraud, AccessOne, and/or CBOS, as well as knowledge of common software / systems required in a Payment Processing environment.
  • Ability to perform day-to-day fraud investigation and risk activities for merchant accounts.
  • A self- starter that requires minimal supervision, sense of ownership and accountability.
  • Strong organizational and analytical skills, with ability to make real-time, informed decisions.
  • Ability to mentor and coach junior Investigators  
  • Ability and willingness to take escalated cases and/or merchant calls, when required
  • Excellent communicator (written and verbal), with professional demeanor and ability to work with others.


Our culture values humility, high trust & autonomy, a desire for excellence and meeting commitments, strong team cohesion, a sense of urgency, a desire to learn, pragmatically pushing boundaries, and accomplishing goals that have a direct business impact.  We encourage you to apply even if your experience does not exactly align as we value diverse thoughts, experience, and backgrounds.

Equal Employment Opportunity
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 recruitment and employment.  If you need any reasonable adjustments, please let us know.  We will be happy to help and look forward to hearing from you.