Risk Investigator, T&S Ops
PhonePe (company site, opens in a new tab)BengaluruOn-siteDirect career pageEst. 8–18 LPA
Posted 2h ago
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Job description
Structured overview of role & requirements
About This Role
- Investigate and mitigate financial fraud and money laundering risks across consumer and merchant digital payment channels, ensuring compliance with RBI, NPCI, FIU-IND, and financial regulatory mandates.
- Manage end-to-end investigations including cyber fraud cases, AML alerts, and suspicious transaction patterns with operational decisions on fund-withholdings, account suspensions, and legal escalations.
- Collaborate with Risk Analytics, Chargeback, Onboarding, Finance and Compliance to deliver data-driven insights and refine fraud detection models and controls.
Minimum Requirements
- Experience: Proven experience in risk analysis, investigation, or compliance within financial services or trading operations.
- Location: Bengaluru, India (on-site) with willingness for rotational shifts and weekend rosters for 24/7 surveillance support.
- Skills: Foundational understanding of Indian digital payments ecosystem and regulatory guidelines (RBI, NPCI), knowledge of watchlist and sanctions screening concepts (UNSC, OFAC, PEP) is a plus.
- Technical: Proficiency in data analysis tools and Microsoft Office; strong analytical and problem-solving skills.
Ideal Candidate Profile
- Demonstrates operational ownership by managing multiple complex investigations simultaneously with strong attention to detail and accuracy in documentation.
- Strategic fit includes knowledge of digital payments fraud, regulatory compliance, AML processes, and risk management methodologies in financial services.
- Comfortable working in a high-stakes 24/7 surveillance environment with ability to make timely operational decisions to limit financial loss.