Fraud Operations Specialist

Fraud Operations Specialist

This role is high-volume and judgment-driven. There are no automated alerts or rules indicating when something is wrong; the role requires determining whether information is legitimate or risky and clearly documenting the reasoning behind each decision.

This is a hands-on, individual contributor role focused on investigative review, independent decision-making, and detailed documentation. Success in this role comes from strong attention to detail, consistency, and the ability to make frequent, defensible decisions based on incomplete or conflicting information.

This role is best suited for someone who enjoys execution-focused analytical work and investigative problem-solving.

About this Role:

• Review and research vendor, business, and bank account information to evaluate legitimacy and potential fraud risk

• Make independent decisions based on documented standards, judgment, and available evidence

• Write clear, detailed notes explaining what was reviewed, what conclusions were reached, and why

• Manage a high-volume workload with consistency, accuracy, and attention to detail

• Assess cases where risk is not explicitly flagged and must be evaluated holistically

• Escalate higher-risk cases when appropriate, providing thorough documentation to support review

What Success Looks Like

• Consistently producing clear, well-documented decisions that others can easily follow

• Maintaining steady pace and accuracy across repetitive review work

• Demonstrating sound judgment when information is incomplete or unclear

• Applying feedback to improve decision quality and documentation over time

• Operating independently while aligning with team standards and processes

What This Role Is Not

• Not work driven primarily by automated alerts or system-generated fraud flags

• Not traditional transaction monitoring where activity is reviewed only after a fraud alert is triggered

• Not a role where decisions are made solely by following rigid rules without judgment

Qualifications

• Experience reviewing information, identifying risk, or making judgment-based decisions in an operational, compliance, fraud, risk, or investigative environment

• Strong critical thinking and analytical skills, with the ability to evaluate information, weigh risk, and explain reasoning clearly in writing

• Strong written communication skills, with the ability to clearly explain reasoning and conclusions

• Comfort working independently in a high-volume, detail-oriented environment

• Ability to remain focused and consistent while performing repetitive review tasks

• Experience in fintech, payments, banking, compliance, fraud, or risk-related fields is a plus but not required

Additional Information

Applicants must pass a background check prior to being officially accepted for employment.

This role is fully remote; however, applicants must reside in one of the following states:

AZ, CA, CO, CT, FL, GA, IL, IN, KY, ME, MA, MT, NV, NH, NJ, NY, OR, PA, RI, TX, VA, WA, WV, WI

At PaymentWorks, we base our employment decisions entirely on business needs, job requirements, and qualifications. We do not discriminate based on race, gender, religion, health, parental status, personal beliefs, veteran status, age, or any other status. We have zero tolerance for discrimination of any kind and are looking for candidates who share those values. Applications from women and members of underrepresented minority groups are welcomed.

About PaymentWorks

PaymentWorks is a B2B payments and vendor onboarding platform focused on reducing fraud risk and improving payment security. Our Fraud Operations team plays a critical role in protecting customers by reviewing vendor and banking information, identifying potential risk, and documenting clear, defensible decisions that support secure payment processing.