The Portfolio Risk Investigator conducts credit risk reviews, monitors transactions, analyzes financial data, and collaborates with various teams to manage risk effectively.
Portfolio Risk Investigator
WHO WE ARE
Welcome 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, Montreal
EMPLOYMENT TYPE Full-time, exempt, new role, hybrid
SALARY RANGE $75,000 – $85,000
Actual compensation will be determined based on location, experience, and role requirements, and will comply with applicable local pay transparency laws.
WHAT YOU WILL BE DOING
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.
We believe work should be fulfilling and fun! Here’s a peek into what life with us is like:
Culture:
Perks and Benefits:
If 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!
WHO WE ARE
Welcome 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, Montreal
EMPLOYMENT TYPE Full-time, exempt, new role, hybrid
SALARY RANGE $75,000 – $85,000
Actual compensation will be determined based on location, experience, and role requirements, and will comply with applicable local pay transparency laws.
WHAT YOU WILL BE DOING
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.
- 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)
We 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 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
Perks and 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
If 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!
Top Skills
Compliance
Financial Analysis
Osint
Risk Alert Dashboards
Risk Management
KORT Payments Toronto, Ontario, CAN Office
179 John St., Toronto, Ontario, Canada, M5T 1X3
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