Portfolio Risk Investigator

KORT Payments • Irvine, CA

1d • $75,000 - $85,000 • Hybrid

About The Position

The 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.

Requirements

• 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

Nice To Haves

• Understanding of U.S. and Canadian payments regulations and risk considerations (preferred)

Responsibilities

• 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

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level