Investigator

This is a fully remote position, open to applicants in California.

📋 Description

• Investigate and take appropriate action regarding suspicious fraud and potential anti-money laundering (AML) activities across the Moov payment network.

• Monitor transaction activities and alert queues for signs of fraudulent actions or money laundering.

• Produce comprehensive investigative reports on suspicious actions and escalate cases to management or regulatory authorities as needed.

• Keep precise case records and documentation throughout the investigation process.

• Oversee daily KYC (Know Your Customer) and KYB (Know Your Business) onboarding activity queues.

• Conduct enhanced due diligence on merchants enrolling to utilize the Moov payment processing platform.

• Carry out thorough onboarding investigations specific to Card and Banking payment platforms.

• Execute merchant underwriting evaluations as part of the onboarding and continuous review processes.

• Collaborate closely with Moov Support to verify new partners joining the Moov network.

• Support management in the creation, documentation, and ongoing enhancement of fraud and AML processes and procedures.

⛳️ Requirements

• Fraud Investigations - 3–5 years of experience in conducting fraud investigations.

• AML Monitoring - 3–5 years of experience in monitoring for AML activities.

• Merchant Acquiring / Onboarding - 3 or more years of experience in merchant acquiring and/or onboarding.

• Card Payment Platforms - Experience in conducting onboarding investigations within card payment environments, including knowledge of card network regulations (Visa, Mastercard), MCC codes, CNP risk, and chargeback analysis.

• Banking Payment Platforms - Experience with banking product onboarding investigations, including ACH, RTP, and banking account verification; understanding of synthetic identity fraud and indicators of account takeover.

• Merchant Underwriting - Experience in conducting merchant underwriting evaluations, including financial statement analysis, credit report assessment, chargeback ratio evaluation, MCC risk classification, and risk tier assignment for card and banking payment products.

• Bank & Card Issuer Relations - Proven experience working directly with banks and card issuers, including correspondent banking relationships, issuer dispute escalations, and responses to regulatory inquiries.

• CFE Certification - Certified Fraud Examiner (CFE) is preferred but not mandatory.

🏝️ Benefits

• 100% remote work.

• We ensure remote work is effective.

• We match your contributions to your 401(k) plan up to 5% of your salary.

• Generous parental leave policy.

• Competitive health, dental, and vision insurance options.

• Unlimited paid time off (PTO), paid holidays, and sick leave.

• Learning stipend and a culture that fosters and promotes professional growth and development.

• Home office stipend available.

• Ownership in the company through employee stock options.

• A culture focused on people helping people, giving first, celebrating successes together, and valuing autonomy, transparency, and trust.

• An opportunity to be part of an experienced and ambitious team dedicated to addressing customer needs and passionate about their work.

• Collaborate with a community of over 2000 developers globally, empowering them to focus on possibilities rather than payments.