Field Investigator Fraud KYC

Field Visitor and Investigation

Job Title: Field Visitor and Investigation

Job Level: Mid-Level

Report to: Manager

Department: Risk & Compliance / Fraud Prevention

Organization: Airpay Payment Services Pvt. Ltd (https://www.airpay.co.in/)

Location: Mumbai.

Job Summary:

To lead and manage field investigation teams focused on on-ground verifications, merchant and customer visits, fraud detection, and resolution of escalated payment issues to protect the integrity of the fintech payments ecosystem.

Key Responsibilities:

Team Management:

• Lead, train, and supervise a team of field investigators across multiple regions.
• Allocate field assignments based on priority, geography, and risk level.
• Monitor performance and ensure timely completion of investigations.

Field Investigations:

• Oversee and conduct field visits to merchants, agents, and customers to verify KYC details, investigate fraudulent transactions, and resolve high-risk cases.
• Liaise with merchants, vendors, and partners to understand transactional discrepancies.
• Document findings and collect necessary evidence (photographs, statements, transaction logs).

Risk Assessment:

• Identify and evaluate patterns of suspicious activity and recommend preventive actions.
• Coordinate with internal fraud analytics and monitoring teams for lead generation.

Compliance & Reporting:

• Ensure field activities comply with internal policies, RBI guidelines, and legal standards.
• Draft and review investigation reports and escalate critical issues to senior management.
• Support the STR filing team with on-ground inputs and factual verification if required.

Stakeholder Coordination:

• Work closely with Compliance, Legal, Fraud Risk, Customer Service, and Product teams.
• Liaise with law enforcement agencies if required in complex or criminal cases.

Required Qualifications:

• Graduate in any discipline (Bachelor’s degree in Criminology, Commerce, or Law preferred)

Skills and Experience:

• 8 years of experience in field investigations, fraud detection, or risk management in BFSI or Fintech
• Experience managing field teams and working in a fast-paced digital payments environment
• Strong analytical, problem-solving, and reporting skills
• Good understanding of KYC/AML norms, payment frauds, and regulatory guidelines
• Willingness to travel extensively (PAN-India or regional coverage)
• Excellent interpersonal and verbal communication skills
• Experience handling UPI, wallet, or merchant onboarding fraud
• Knowledge of tools like Salesforce, CRM, or field investigation tracking platforms
• Prior work experience in NBFC, Fintech, or PSP environment

Travel Requirement:

• Yes