Fraud Operations Representative

About PayJoy

PayJoy is a mission-driven credit provider committed to assisting underserved consumers in emerging markets in attaining financial stability and success. Our patented secured credit technology offers a pathway for new customers to engage with the credit system. Through PayJoy’s point-of-sale financing options and credit cards, customers gain access to an enhanced quality of life. Additionally, PayJoy’s credit enables our clients to capitalize on opportunities as micro-entrepreneurs and provides a safety net during challenging times. Utilizing advanced machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025, all while achieving robust profitability to support sustainable growth.

This Role

The Fraud Operations Representative will be tasked with reviewing and investigating partners, stores, clerks, and customers to detect fraud patterns and implement strategies to reduce fraud risks, thereby safeguarding our customers and the company’s financial resources.

Responsibilities

• Monitor and assess transactions for possible fraudulent activity, ensuring adherence to fraud prevention strategies and protocols.
• Investigate and resolve reported fraud incidents, ensuring precise and timely documentation.
• Develop and establish fraud prevention strategies and procedures.
• Work in conjunction with the customer service and operations teams to identify and reduce fraud risks.
• Conduct regular fraud risk evaluations and offer suggestions for enhancements.
• Compile and present comprehensive reports on fraud trends and preventative measures as needed.
• Collaborate with teams from Product, Sales, Customer Support, and others to identify and address fraud risks.
• Assist in training and informing team members on fraud prevention and detection techniques.

Requirements

• Completed technical training or partial university education in relevant fields such as Business Administration, Communications, or similar disciplines.
• At least 1 year of experience in fraud prevention, anti-fraud processes, or fraud examination, preferably within the financial services or Phone Finance sector.
• Understanding of regulatory requirements and compliance standards applicable in the country.
• Basic analytical and problem-solving abilities, along with a proactive approach to managing assigned tasks and taking full ownership of projects.
• Fundamental knowledge of SQL, with the capacity to understand and write basic queries.
• Proficiency in utilizing fraud detection software and tools.
• Strong willingness to learn.

Benefits

• 100% Company Funded: Private Health Insurance for employees and their immediate families.
• Pension Fund.
• Company-sponsored life and disability insurance for employees.
• 20 days of vacation and unlimited sick leave.
• $2,000 USD annual co-working travel benefit.
• $2,000 USD annual professional development allowance.
• Phone Finance, headphone benefits, home office equipment allowance, and wellness perks.
• Catered lunch.

PayJoy is proud to be an Equal Employment Opportunity employer and actively welcomes individuals from diverse backgrounds. We do not discriminate based on 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 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