We are looking for an experienced, strategic, and hands-on leader to own PayJoy's global fraud operations function. You will lead a team of 20+ fraud operations analysts across 10 countries and will be responsible for both the strategy and day-to-day execution of fraud prevention across our consumer and SME products.
This is a rare opportunity to build a world-class fraud function from the ground up in one of the most dynamic and complex fraud environments in the world — serving populations that traditional financial institutions have left behind, through both physical retail and digital channels.
You will partner closely with Product, Engineering, Data Science, Compliance, and regional General Managers to ensure fraud operations scales with PayJoy's global growth.
Responsibilities
Define and own PayJoy's global anti-fraud operations across all markets, products, and distribution channels — from physical retail to fully digital onboarding
Set the vision for how fraud operations becomes a measurable competitive advantage: higher approval rates, lower fraud losses, and a better user experience than our competitors
Translate strategy into executable roadmaps, working cross-functionally with Product, Engineering, Data Science, and regional GMs
Represent fraud risk at the leadership level, clearly communicating trade-offs between growth, user experience, and loss exposure
Own end-to-end fraud operations including user onboarding, KYC/identity verification, transaction monitoring, dispute resolution, and fraud investigations
Optimize fraud rules, models, and workflows across geographies, balancing fraud loss rates with onboarding pass rates and false positive rates
Lead, develop, and scale a team of 20+ fraud operations analysts and managers across 10 countries
Own and report on key fraud KPIs including fraud loss rate, false positive rate, onboarding pass rate, investigation SLAs, and chargeback rates
Build reporting infrastructure that gives leadership real-time visibility into fraud trends and emerging threats
Build a high-performance team culture grounded in data-driven decision making, operational rigor, and continuous improvement
Mentor and develop the next generation of fraud leaders within PayJoy
Qualifications
10+ years of experience in fraud, financial crime, or risk operations, with at least 5 years in a leadership role
Proven experience managing and developing teams of 20+ people, ideally across multiple geographies or time zones
Deep expertise in fraud patterns — including first-party fraud, synthetic identity, account takeover, bust-out fraud, and organized fraud rings
Experience building KYC and identity verification systems for underbanked or thin-file populations
Hands-on experience with fraud rules engines, device intelligence platforms, and fraud analytics tooling
Advanced SQL skills; ability to independently analyze data, build fraud monitoring dashboards, and derive actionable insights
Fluency in Spanish & English required; Portuguese a strong plus
Experience operating in at least one LatAm market (Mexico, Colombia, or Brazil strongly preferred)
Strong written and verbal communication skills; ability to influence senior stakeholders and cross-functional partners without direct authority
Preferred
Experience at a high-growth fintech, lending platform, or marketplace operating in LatAm
Familiarity with device-based fraud vectors — IMEI fraud, point-of-sale collusion, device resale schemes — relevant to secured lending or device financing models
Experience working with Data Science teams to develop, evaluate, and deploy ML fraud models
Ability to work with Product and Engineering teams
Python or equivalent scripting for data analysis and fraud workflow automation
Benefits
- Local benefits depending on the country of hire
- Company-funded health insurance for employee and immediate family Company-funded employee life and disability insurance
- Paid vacation days, 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 lunches
Skills Required
- 10+ years of experience in fraud, financial crime, or risk operations
- at least 5 years in a leadership role
- Proven experience managing teams of 20+ people
- Deep expertise in fraud patterns
- Hands-on experience with fraud rules engines and analytics tooling
- Advanced SQL skills
- Fluency in Spanish & English
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
PayJoy Insights
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
