Portfolio Risk Investigator

Portfolio Risk InvestigatorWHO WE AREWelcome 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 expand our presence in the U.S. market, we're excited to bring our proven solutions and innovative approach to new industries, while continuing to operate under the KORT Payments banner alongside Merrco, Payfirma and Barnet.LOCATION Irvine (California), Toronto, MontrealEMPLOYMENT TYPE Full-time, exempt, new role, hybridSALARY RANGE $75,000 – $85,000Actual compensation will be determined based on location, experience, and role requirements, and will comply with applicable local pay transparency laws.WHAT YOU WILL BE DOINGThe Portfolio Risk Investigator is an integral part of the Risk team and is responsible for owning and executing periodic credit risk reviews and managed-portfolio oversight for KORT, while also applying ongoing transaction risk monitoring principles. This role evaluates merchant financial strength, exposure, performance trends, and risk posture, translating findings into actionable recommendations such as limit adjustments, reserves, enhanced monitoring, or exit. You will partner closely with Credit, Risk, Compliance/AML, Operations, and Reporting to ensure decisions are consistent, well-documented, and aligned with KORT's risk appetite and sponsor expectations. Monitor daily transactions and merchant activities to identify anomalous or high-risk behaviorConduct in-depth analysis of fraud, chargeback, and other risk indicators using internal systems (e.g. risk alert dashboards) and open-source intelligence (OSINT) gatheringConduct scheduled periodic credit reviews of all U.S. & Canadian merchants as defined in the Periodic Reviews & Managed Portfolio SOP (e.g., exposure thresholds, high-risk MCCs)Analyze merchant financials and operational data to assess creditworthiness and recommend appropriate limits or controlsMonitor exposure and performance trends, partnering with Risk and Credit ManagementDocument review findings and update system records (e.g., parameters, exposure trackers)Coordinate with Compliance, Sales, and Operations to gather data and enforce conditionsPrepare periodic risk reports and present insights to leadershipEstablish and manage review cadence and due dates; prioritize upcoming reviews based on exposure growth, risk triggers, and overdue statusWHAT WE'RE LOOKING FOR Bachelor's degree or equivalent experience in finance, risk, accounting, or related field4 + years of experience with credit review, underwriting, financial analysis in payments/financial services, periodic review within payment acquiring, or transaction risk monitoringDemonstrated proficiency in reading and analyzing financial statements, bank statements, and processing dataExperience conducting structured periodic reviews and presenting risk conclusions and recommendationsExcellent communication skills to interact with internal stakeholders and external partnersStrong understanding of merchant exposure, reserves, cash flow, and credit risk indicatorsUnderstanding of U.S. and Canadian payments regulations and risk considerations (preferred)LIFE AT KORT PAYMENTSWe believe work should be fulfilling and fun! Here's a peek into what life with us is like:Culture: Fearlessness: Encourage continuous learning, innovation, taking chances, and pushing boundariesAccountability: Take ownership and be accountable to yourself, the company, partners, and clientsCollaboration: Leverage diverse perspectives and work as a team to get the job doneTransparency: Empower success through open communication, honesty, and inclusionPerks and Benefits: Comprehensive Benefits Package: We've got you covered with health, dental, and vision plansFlexible and Inclusive Work Environment: We understand the importance of work-life balance and provide the flexibility you need to thriveFun Events: From team-building activities to company-wide celebrations, we love to have fun and recognize our hard workProfessional Growth: We support your career development with ongoing learning opportunities and the chance to take on new challengesWork Hard, Play Hard: Enjoy a dynamic environment where your contributions are valued and your potential is unleashedIf you're excited about joining a vibrant, forward-thinking team and making a tangible impact, we want to hear from you! Send us your application. Please note that only candidates under consideration will be contacted. Let's make great things happen together at KORT Payments! Powered by JazzHR