Risk Investigator, Trust & Safety Ops

Role: Risk Investigator, Trust & Safety Ops

Location: Bengaluru (On-site)

About the Role

This is a full-time, on-site position responsible for reviewing and investigating suspicious activities, transactions, and user behaviors across PhonePe’s platforms. The goal is to identify potential fraud, abuse, or policy violations.

Key Responsibilities

• Review and investigate suspicious activities, transactions, and user behaviors.
• Analyze financial and behavioral patterns to assess risk levels.
• Recommend actions such as monitoring, escalation, or account restrictions.
• Prepare clear documentation of investigation findings.
• Maintain investigation records.
• Collaborate with cross-functional teams (product, legal, compliance, customer support) to resolve cases.
• Contribute to process improvements.
• Help refine fraud detection rules.
• Support training and awareness initiatives.

Requirements & Tech Stack

• Analytical Skills and Finance knowledge for transaction pattern assessment, risk evaluation, and data interpretation.
• Fraud Prevention expertise, including understanding of digital payments, financial crime typologies, and risk controls.
• Effective Communication and Interpersonal Skills.
• Ability to work with data and investigation tools.
• Attention to detail and sound judgment under time-sensitive conditions.
• Familiarity with Indian digital payments ecosystem, regulatory environment, and KYC/AML practices is an advantage.

Qualifications

• Bachelor’s degree in finance, business, economics, statistics, law, or a related field.
• Experience in risk operations, trust & safety, compliance, or financial services is highly beneficial.
• Advanced certifications in fraud risk or compliance are a plus.