Job Description

Job Title: Senior Fraud & Risk Investigator

Reports To: Director, Fraud and Risk Management

Department: Fraud and Risk

Location: Las Vegas, NV/Remote

Summary

The Senior Fraud & Risk Investigator leads complex investigations into fraudulent activity, financial crimes, and high-risk transactions across the organization’s platforms. This role analyzes data trends, identifies emerging threats, and implements proactive measures to reduce exposure and strengthen fraud prevention frameworks. The position provides guidance and mentorship to junior investigators, ensuring consistency and accuracy in investigative practices. The Senior Investigator also collaborates with compliance, legal, and security teams to develop policies, refine risk models, and support regulatory reporting requirements.

Key Responsibilities

Fraud Investigations

• Conduct in-depth fraud investigations resulting from fraud alerts and reports.
• Monitor and analyze high-risk activity across multiple indicators (chargebacks, refunds, AVS/CVV mismatches, decline ratios, velocity changes, etc.).
• Use global data sources and industry monitoring tools to proactively detect emerging threats.

Fraud Detection & Prevention

• Leverage fraud detection platforms and data analytics to identify patterns, anomalies, and risk signals before they escalate.
• Recommend and implement rule adjustments, merchant-specific controls, or remediation plans to reduce exposure.
• Maintain a balanced approach — mitigating risk while supporting legitimate customer growth.

Compliance & Regulatory Alignment

• Maintain deep knowledge of card brand compliance programs (VAMP, VFMP, SAFE) and apply consistently.
• Prepare clear, defensible reports for fraud and risk leadership, payment processors and regulatory partners.

Collaboration & Influence

• Partners with cross-functional business units to align and increase fraud and risk awareness.
• Communicate complex findings in clear, actionable terms for both technical and non-technical audiences.
• Influence risk control adoption through credibility, data, and collaboration.

Continuous Improvement & Leadership

• Mentor Fraud and Risk analysts and elevate investigative standards across the team.
• Recommend process enhancements and technology improvements to strengthen fraud prevention and risk mitigation strategies.
• Stay current on evolving fraud tactics, enforcement trends, and high-risk merchant models.

Qualifications

Experience & Knowledge:

• Minimum 4+ years in fraud prevention within the payments industry.
• Experience with enterprise fraud risk management systems such as Kount, ACI, CyberSource or Accertify.
• Experience fighting fraud across multiple payment methods including credit cards, Venmo, PayPal and/ or Apple Pay.
• Proven track record of managing investigations involving high-risk verticals (direct marketing, ticketing, subscription billing, telehealth, CBD, gaming, etc.).
• Expertise with card brand rules, acquiring bank risk programs, and regulatory compliance frameworks.

Core Qualities:

• Analytical Excellence: Strong pattern recognition, data analysis, and root cause investigation skills.
• Decision-Making & Judgment: Balanced risk tolerance, consistency in applying policies, and decisive action when needed.
• Communication & Documentation: Ability to prepare clear, concise, and defensible investigative reports.
• Problem-Solving: Creative approach to risk mitigation that balances business growth with compliance requirements.
• Ethics & Integrity: Objectivity in assessments and a strict adherence to confidentiality.
• Collaboration: Skilled at building productive relationships internally and externally.
• Continuous Learning: Proactive in staying ahead of emerging risks and regulatory changes.

Perks & Benefits!

• A great company that is focused on team building, and career pathing for its team!
• Join a team that is fun, friendly, and customer-focused!
• Excellent employee benefits package - Health, Dental, Vision, 401k match, and more!

Pavilion Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the Human Resources Department

Job Tags

Similar Jobs