Portfolio Risk Investigator
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Overview
Schedule
Full-time
Career level
Senior-level
Remote
Hybrid remote
Compensation
$75,000-$85,000/year
Benefits
Health Insurance
Dental Insurance
Vision Insurance
Job Description
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 behavior
- Conduct in-depth analysis of fraud, chargeback, and other risk indicators using internal systems (e.g. risk alert dashboards) and open-source intelligence (OSINT) gathering
- Conduct 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 controls
- Monitor exposure and performance trends, partnering with Risk and Credit Management
- Document review findings and update system records (e.g., parameters, exposure trackers)
- Coordinate with Compliance, Sales, and Operations to gather data and enforce conditions
- Prepare periodic risk reports and present insights to leadership
- Establish and manage review cadence and due dates; prioritize upcoming reviews based on exposure growth, risk triggers, and overdue status
- Bachelor’s degree or equivalent experience in finance, risk, accounting, or related field
- 4 + years of experience with credit review, underwriting, financial analysis in payments/financial services, periodic review within payment acquiring, or transaction risk monitoring
- Demonstrated proficiency in reading and analyzing financial statements, bank statements, and processing data
- Experience conducting structured periodic reviews and presenting risk conclusions and recommendations
- Excellent communication skills to interact with internal stakeholders and external partners
- Strong understanding of merchant exposure, reserves, cash flow, and credit risk indicators
- Understanding of U.S. and Canadian payments regulations and risk considerations (preferred)
- Fearlessness: Encourage continuous learning, innovation, taking chances, and pushing boundaries
- Accountability: Take ownership and be accountable to yourself, the company, partners, and clients
- Collaboration: Leverage diverse perspectives and work as a team to get the job done
- Transparency: Empower success through open communication, honesty, and inclusion
- Comprehensive Benefits Package: We've got you covered with health, dental, and vision plans
- Flexible and Inclusive Work Environment: We understand the importance of work-life balance and provide the flexibility you need to thrive
- Fun Events: From team-building activities to company-wide celebrations, we love to have fun and recognize our hard work
- Professional Growth: We support your career development with ongoing learning opportunities and the chance to take on new challenges
- Work Hard, Play Hard: Enjoy a dynamic environment where your contributions are valued and your potential is unleashed
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FAQs About Portfolio Risk Investigator Jobs at KORT Payments
What is the work location for this position at KORT Payments?
This job at KORT Payments is located in Irvine, CA, according to the details provided by the employer. Some roles may also include multiple work locations depending on the requirement.
What pay range can candidates expect for this role at KORT Payments?
Candidates can expect a pay range of $75,000 and $85,000 per year.
What employment applies to this position at KORT Payments?
KORT Payments lists this role as a Full-time position.
What experience level is required for this role at KORT Payments?
KORT Payments is looking for a candidate with "Senior-level" experience level.
What benefits are offered by KORT Payments for this role?
KORT Payments offers following benefits: Health Insurance, Dental Insurance, Vision Insurance, Flexible/Unlimited PTO, and Career Development for this position. Actual benefits may vary depending on the employer's policies and employment terms.
What is the process to apply for this position at KORT Payments?
You can apply for this role at KORT Payments either through Sonara's automated application system, which helps you submit applications 10X faster with minimal effort, or by applying manually using the direct link on the job page.