Fraud Operations Representative

About PayJoy

PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Fraud Operations Representative is responsible for conducting reviews and investigations of partners, stores, clerks and customers to analyze fraud patterns, and implementing tactics to mitigate fraud risks, thereby protecting our customers and the company's financial assets.

Responsibilities:
• Monitor and analyze transactions for potential fraudulent activity, ensuring comply with the fraud prevention strategies and procedures.
• Investigate and resolve reported fraud cases, ensuring timely and accurate documentation.
• Develop and implement fraud prevention strategies and procedures.
• Collaborate with the customer service and operations teams to address and mitigate fraud risks.
• Conduct regular fraud risk assessments and provide recommendations for improvement.
• Prepare and present detailed reports on fraud trends and prevention measures when requested.
• Collaborate with Product, Sales, Customer Support, etc… Teams to address and mitigate fraud risks.
• Assist in training and educating team members on fraud prevention and detection.

Requirements:
• Completed Technical or partially university studies in related areas such as Business Administration, Communications or similar.
• 1 years of experience in fraud prevention, anti-fraud processes, fraud examination preferably within the financial services - Phone Finance industry.
• Knowledge of regulatory requirements and compliance standards in the country.
• Basic analytical, problem-solving skills and sense of autonomy to carry out delegated tasks, taking full ownership of their own projects.
• Basic knowledge of SQL – ability to understand and write simple queries.
• Proficiency in using fraud detection software and tools.
• Strong learning aptitude.

Benefits:
• 100% Company Funded : Private Health Insurance for employee and immediate family
• Pension Fund
• Company-funded employee life and disability insurance
• 20 days vacation, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone Finance, headphone benefit, home office equipment allowance and wellness perks
• Catered Lunch

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening