Posted: 23h ago
The role
Location: Onsite (Cork HQ, Mahon)Type: Permanent positionSalary: €35,000 gross p/a + monthly performance bonusShifts: 11.30-20.00 Mon-Fri subject to change (weekend coverage, shifts may be introduced in the future)
We're looking for a sharp‑eyed Risk Investigator to protect our users and platform from financial crime. You'll review transactions, flag suspicious patterns, and work directly with customers to keep their accounts safe. This role gives you the chance to solve complex problems, work with cutting‑edge monitoring tools, and make a real difference in fighting fraud every day.
What we offer:
Performance based bonus
Opportunity to advance your career
Great rewards for referring your friends
Multilingual exposure: improve your spoken and written language skills
Inspiring and fun environment. Our offices are known for their innovative, fun and pleasant design. Enjoy our 'relax' and 'play' areas as well as our onsite gym
Community projects – we run CSR events all year long
Private medical insurance coverage (after 6 months tenure). We work with one of the best suppliers (VHI) offering a professional package
Bike‑to‑work tax relief
Maternity and paternity leave
Access to GP care and an occupational health advisor
Overview of tasks:
Review fraud alerts in our transaction monitoring queue and take action as needed
Execute account decisions accurately and completely, following documented procedures – including account locking, case notes, AML referrals, closure documentation, and customer communications in the correct sequence
Contact our users for information on their account usage and transactions
Identify the correct fraud typology for each case (e.g., account takeover, check fraud, business email compromise) and apply it consistently
Initiate enhanced due diligence (EDD) reviews on higher‑risk users and escalate to the internal Mercury team for completion
Use the Mercury scorecard to guide and document your decision‑making on each alert
Escalate accounts appropriately through defined channels based on case type and risk level – knowing when to act independently and when to route to an internal reviewer
Work with our internal team to resolve questions and second opinions through established workflows
Document investigative findings clearly and escalate unusual or potentially suspicious activity to our partners for SAR consideration
Maintain organized queues and manage workload efficiently during high‑volume periods without sacrificing accuracy
Develop an understanding of expected activity for each type of user we work with
Participate actively in QA and coaching sessions, applying feedback consistently to your work
We are looking for someone who can:
Have experience in detecting fraud in banking, fintech, or other financial services through structured transaction monitoring workflows
Be fluent in the language of bank transactions, including ACH, check, debit card, credit card, and wire transfers, both domestic and international
Understand the business banking landscape and have familiarity with international activity and ownership
Execute multi‑step workflows with precision and completeness – you follow documented steps accurately, don't skip actions under time pressure, and close the loop on every case
Maintain consistent quality as alert volume increases – your accuracy holds whether you're working through 20 alerts or 80
Exercise sound judgment about when to escalate – you understand what falls within your authority to resolve independently versus what requires a second opinion or internal routing
Translate feedback into action by using QA and coaching notes to improve performance and reduce recurring errors
Exercise empathy and understanding when communicating with users
Communicate case findings, AML referral detail, and customer‑facing notes with accuracy and appropriate detail
Manage relationships with external parties with confidence and kindness
Work with efficiency and focus
Understand how to keep an organized, clean queue
Effectively track work and stay organized while balancing multiple competing priorities
Certified Fraud Examiner (CFE) certification or equivalent is a plus but not required
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