Risk Investigator

At SpotOn, we're helping small businesses and restaurants compete and win with technology to better connect with their customers. Think marketing software, website development, ecommerce, reservations, online ordering, digital loyalty, review management, and both retail and restaurant point-of-sale (POS) solutions.
In the last year, SpotOn has:

• Raised $300M in Series F funding (valuing SpotOn at $3.6 Billion);
• Earned awards for Great Places to Work and Built In's Best Places to Work; and
• Helped local businesses succeed with technology and support to battle through the labor shortage while also helping their employees earn more.

This year, we're going even bigger-caring hard and moving fast down the path of high growth and positive impact.
That's where you come in.
We are looking for a Fraud Investigator to join our team. This individual will be responsible for monitoring the processing activity of our portfolio and investigating unusual or suspicious activity. The ideal candidate is someone who can provide superior customer service while protecting both our merchants and SpotOn. Communication skills are a must as the majority of your interaction with our customers will be through phone and email.
You will:

• Review and analyze daily, weekly, and monthly merchant activity for increased credit risk and fraud threats.
• Proactively monitor all merchant activities for compliance with applicable laws, rules, regulations and policies.
• Investigate abnormal merchant activity and recommend appropriate actions.
• Ensure that all activities are performed in compliance with federal, state and Bank Secrecy Act regulatory requirements.
• Document within the appropriate systems detailed notes including daily activity, phone calls and verification notes.
• Review internal notes before releasing funds to ensure accounts do not have additional issues/collections.
• Communicate risk decisions effectively in both verbal and written communication to merchants, agent offices and management.
• Perform other duties and projects as assigned.

Qualifications:

• 3+ years relevant work experience in the merchant processing industry
• Familiar with card brand rules and best practices.
• Experience with TSYS; Express, PPM and Reserve Funding modules a plus
• Excellent research skills
• Proven ability in providing excellent customer service
• Must use good judgement and show strong decision making
• Detail oriented and must have the ability to prioritize all tasks appropriately.
• Strong computer skills and ability to adapt to new systems quickly and efficiently

Benefits:
The hourly pay for this position is $20-$23/hour
At SpotOn, we put people above everything else. We're known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We can't take care of our clients without taking care of our employees first, and that's why we invest in you with a competitive benefits package which includes:

• Medical, Dental and Vision Insurance
• 401k with company match
• Stock Options
• Paid vacation, holiday and sick time
• Headspace membership for guided meditation and stress relieving tools through the Sequoia App*
• Employee Resource Groups for Diversity and Inclusion, Women, LGBTQIA+, and other communities
• Monitor, Keyboard, and Mouse needed for your home office? We got you
• Monthly cell phone and internet stipend
• Unlimited access to virtual audio and visual workouts through the Sequoia App*
• Subscription to Linkedin Learning to expand your knowledge on all kinds of fun topics
• Tuition reimbursement for up to 2k per calendar year to assist with classes of your choice

* for those enrolled in the Anthem plan
SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin,