Payments Risk Specialist

About Auto Integrate Auto Integrate makes leased vehicle maintenance frictionless for millions of customers in the USA and Canada. We provide a platform that powers the North American fleet management service industry and are looking to continue our growth. About Fleetio & Auto Integrate Fleetio is a modern fleet operations platform used by thousands of organizations worldwide to manage vehicles, equipment, and drivers. Auto Integrate, acquired by Fleetio in 2025, is a leading global maintenance authorization network that supports fleets that outsource their service, maintenance, and repair needs. The business is managed by a small, global team within Fleetio, combining the resources of a scaled SaaS company with the agility of a niche market leader. Description Location: Remote-first in the EST or CST time zones The Payments Risk Specialist is responsible for protecting the integrity of Auto Integrate's Network Settlement platform by identifying, assessing, and mitigating operational, payment, fraud, and compliance risks. This role supports the onboarding of shops, monitors payment activity, investigates suspicious behavior, and helps ensure settlement transactions are executed safely and in accordance with company policies and controls. Who you are As Network Settlement grows, the Payment Risk Specialist serves as a critical line of defense against fraud, account takeover, payment diversion, onboarding abuse, and operational losses. The role balances risk mitigation with positive customer experience, helping Auto Integrate scale settlement adoption while maintaining trust across fleets, shops, and payment partners. This role works closely with Finance, Product, Support, Legal, and external payment providers. Your impact Risk Monitoring & Investigation Monitor settlement activity for suspicious or unusual behavior Investigate potential fraud, payment diversion attempts, and account takeover activity Review high-risk transactions and escalation cases Identify emerging risk trends and recommend mitigation strategies Support root cause analysis for operational and payment-related incidents Shop Onboarding & Validation Review onboarding requests requiring enhanced due diligence Validate business ownership, banking information, and supporting documentation Investigate onboarding discrepancies and ownership concerns Perform ongoing monitoring and revalidation activities as required Support first-payment and high-risk account reviews Bank Account & Payment Controls Review and validate bank account changes before payout activity resumes Investigate unusual account maintenance activity Monitor payment routing changes and payout destination mismatches Assist in managing payout holds, suspensions, and risk-based restrictions Fraud Prevention Monitor fraud indicators across settlement workflows Support development and refinement of fraud detection processes Collaborate with payment providers on fraud-related escalations Document and track fraud events and outcomes Compliance & Operational Controls Support compliance-related reviews and operational controls Maintain risk documentation and audit records Assist with regulatory, legal, and audit information requests Ensure adherence to internal policies and risk procedures Participate in periodic control reviews and risk assessments Reporting & Analysis Produce risk-related reporting and operational metrics Track trends in fraud activity, onboarding exceptions, and payment risks Maintain case records and investigation documentation Recommend process improvements based on observed risk patterns Your experience 3+ Years of experience in payment operations, fintech, banking, or marketplace environments Experience investigating fraud, account takeover, or payment-related risks Familiarity with ACH payments, money movement, and settlement processes Experience supporting compliance or audit-related activities Knowledge of onboarding verification, business validation, or KYB/KYC processes Benefits ● Health/dental/vision coverage options ● Incentive stock options ● PTO ● Community service funds ● Professional development funds ● Wellbeing fund ● Business expense stipend ● New high-end laptop + new hire equipment stipend More About Our Team and Company Auto Integrate has recently joined Fleetio as both companies build a world-class platform that improves the day-to-day of fleet operators across North America. Auto Integrate is growing fast, and we have a number of challenges to overcome to allow us to scale effectively. We want the kind of people who like to work as part of a high-performing team, treat their colleagues exceptionally well, and have fun whilst consistently delivering high quality. The kind of people committed to going out of their way to help their teammates in the short term, and pushing them to improve in the long term by helping them to get better at what they do.