Role Overview:

We are looking for a detail-oriented and analytical qualified to join the
Merchant Risk team at Cashfree Payments. The role involves end-to-end merchant
risk assessment including merchant profile reviews, continuous transaction
monitoring, fraud detection, and ensuring merchant activities remain aligned
with platform policies, regulatory requirements, and declared business use
cases. Candidates with an engineering or technical background are preferred due
to the data-driven and system-focused nature of the role.

What You Will Do:

* Conduct detailed merchant profile reviews using onboarding data, KYC
documentation, website validation, and operational workflow assessment.

* Monitor merchant transactions in real-time using monitoring dashboards,
alerts, and daily exception reports.

* Identify suspicious transaction patterns such as velocity spikes, abnormal
failure ratios, refund loops, and cross-border anomalies.

* Detect potential misuse including payment aggregation, wallet loading, brand
impersonation, and service non-delivery risks.





* Review merchant transaction behaviour against declared business models and
identify deviations or undisclosed activities.

* Analyse transaction data across multiple Merchant IDs (MIDs) to detect linked
entities, duplicate setups, or network fraud risks.

* Validate merchant operational capability through supporting documentation,
supplier relationships, and service delivery workflows where required.

* Escalate confirmed high risk cases for suspension, disablement, or enhanced
due diligence review.

* Collaborate with Product, Operations, and Technology teams to strengthen
monitoring rules, fraud detection mechanisms, and alert frameworks.

* Maintain accurate and structured documentation of alerts, investigations,
merchant reviews, and closure actions.

What You Will Need:

* 2–4 years of experience in merchant risk, transaction monitoring, fraud
analytics, or compliance within fintech, banking, or payments

📌 Associate/Senior Associate (Bellandur)
🏢 Cashfree Payments India Private
📍 Bellandur