The Role
About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
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.
Requierements
- Completed Technical or partially university studies in related areas such as Business Administration, Communications or similar.
- Minimum of 2 years of experience in fraud prevention, anti-fraud processes, fraud examination preferably within the financial services 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.
- Proficiency in using fraud detection software and tools.
- Strong learning aptitude.
Benefits
- 100% Company-funded Health and Life Insurance for employees and immediate family members
- Indefinite-term contract
- 20 days of vacations
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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
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The Company
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.
