Senior Investigator, Bram Program

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.Title and Summary
Senior Investigator, BRAM Program Mastercard operates the world’s fastest payment processing network, connecting consumers, financial institutions, merchants, governments, and businesses in more than 210 countries and territories. Every day, everywhere, we use our technology and expertise to make payments safe, simple and smart. We know safety and security are the top priorities of our customers, cardholders and partners, so we won’t stand still in developing new and better ways to keep payments safe.Key Questions
Do you have experience conducting investigations, reviewing evidence, and documenting case outcomes?Do you have knowledge of merchant onboarding, monitoring, customer response review, and potential Mastercard Standards violations?Are you a high performer with strong analytical, documentation, and project management skills?Are you collaborative, detail-oriented, and able to support credible investigations in a fast-paced environment?Mastercard’s Franchise Brand Performance Team advances ecosystem health and profitability by engaging our customers to optimize performance and to enhance the strength of our brand, acceptance network, and data.Role
Preserve the integrity of the Mastercard brand by conducting investigative case work under the Business Risk Assessment and Mitigation (BRAM) program, including matters involving potential illegal activity, brand-damaging activity, or violations of Mastercard StandardsReview referrals from external partners and internal stakeholders, assess BRAM scope, gather relevant facts, and support timely investigation initiationConduct evidence review, customer response evaluation, testing coordination, documentation, assessment recommendation support, and case closure activitiesInvestigate and resolve inquiries from across the business and external customers to determine whether Mastercard Standards concerns exist and whether BRAM case activity is warrantedApply established investigative procedures, audit expectations, and best practices to ensure consistent, objective, and well-documented case outcomesEscalate sensitive, complex, repeat-offender, or high-impact matters to management with clear facts, rationale, and recommended next stepsSupport engagement with referral partners, vendors, customers, and internal stakeholders by preparing case materials, tracking follow-up, and maintaining professional communicationContribute to team inbox triage, referral management, case tracking, workload visibility, and investigation metricsIdentify referral trends, emerging typologies, documentation issues, and process improvement opportunities to support BRAM program effectivenessSupport case management tool adoption, data integrity, reporting needs, and process enhancements in partnership with Operations and EnablementAssist with training, stakeholder education, BRAM Announcements, guidance materials, and cross-team initiatives as neededQualifications
3-5 years’ experience conducting investigative, compliance, risk, audit, merchant monitoring, or brand protection work, with demonstrated ability to evaluate facts, document findings, and support defensible case outcomesExperience with merchant onboarding practices, ongoing monitoring for suspicious activity, referral review, evidence assessment, and customer response evaluationStrong attention to detail, highly organized, critical thinker able to multitask, follow multi-step processes, and identify relevant issues across complex case factsMust be self-motivated and able to manage time effectively with competing priorities while supporting timely case progressionExperience, confidence, and high level of tact and integrity due to frequent interaction with internal and external stakeholders, as well as regular exposure to confidential dataSuperior written and verbal communication skills, including ability to document investigative findings, communicate case rationale, and support stakeholder follow-upStrong analytical, investigative, and problem-solving skillsExcellent technical skills including Microsoft Office;
experience with case management, reporting, analytics, monitoring, or investigation tools preferredPay Range
Toronto, Canada: $83,000 - $132,000 CADMastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role.In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact View email address on ca.hrm.tc and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: Abide by Mastercard’s security policies and practices;
Ensure the confidentiality and integrity of the information being accessed;
Report any suspected information security violation or breach, and Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in Canada, the successful candidate will be offered a competitive pay based on location, experience and other qualifications for the role and may be eligible to participate in a discretionary annual incentive program.This posting reflects one or more current openings on our team.Everyone wants easier ways to pay;
we invent them. Checkout lines are slow;
we speed them along. Merchants want more sales;
we give them data and insights. People need financial access;
we connect them. Corporate purchasing is complicated;
we make it simple. Commuters are busy;
we speed them on their way. Governments need greater efficiencies;
we help create them. Small businesses are virtual;
we give them access to a world of buyers. Retailers want to fight fraud;
we provide the tools.
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