Validation Support 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 prevention representative is responsible for analyzing the alerts generated by the different systems to determine if there is suspicion of fraud and, if necessary, act accordingly, reducing the impact for Payjoy or the client.

Key responsibilities:
• Respond to alerts generated in systems about atypical operations to identify and prevent fraud.
• Immediately validate official identity documents in sales detected as suspicious by automated tools:
• Approved these legitimate cases to contribute to increased sales,
• Block fraudulent cases and report them promptly.
• Detect patterns and trends in internal and external risks to identify causes and propose controls to reduce fraud risks.

Qualifications:
• Technical or university studies unfinished in related areas such as Business Administration, Communications or similar.
• Experience in customer service or attention, preferably in the sales or financial sector, at least one year.
• Basic knowledge of Microsoft Office tools and Google Suite
• Effective communication skills and cultural sensitivity to maintain high levels of customer satisfaction.
• Ability to work in a team, high sense of urgency and handling difficult situations under pressure.

Benefits:
• 100% Company-funded Health for employees and immediate family members
• Life insurance
• Indefinite-term contract
• 20 days of vacations, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone finance, Headphone, home office equipment and wellness perks.
• Catered lunches

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