The Fraud Operations Specialist is responsible for conducting analyses and investigations related to key risk indicators involving partners and customers within the Phone Finance product, with the objective of identifying potential misconduct, fraudulent activities, and operational vulnerabilities.
This position acts directly in preventive monitoring and investigative activities, supporting the company in identifying suspicious behaviors, mitigating risks, and implementing actions to protect the portfolio and continuously improve fraud-related processes.
Key responsibilities
Monitor and analyze the performance of our partners, identifying potential misconduct and fraudulent activities while ensuring compliance with fraud prevention strategies and procedures.
Investigate and resolve fraud cases reported across our main products, ensuring accurate and timely documentation.
Develop and implement fraud prevention strategies and procedures.
Collaborate with Customer Support, Product, Engineering, and Operations teams across different countries to identify and mitigate fraud risks.
Conduct periodic fraud risk assessments and provide recommendations for improvement.
Prepare and present detailed reports on fraud trends and prevention measures when requested.
Support the training and development of team members in fraud prevention and detection.
Qualifications
Experience in fraud prevention, with a focus on onboarding, core fraud, behavioral analysis, and risk indicators.
English or Spanish proficiency is required — the candidate must be able to communicate fluently, both verbally and in writing, in professional and technical contexts.
Proficient in SQL — ability to understand, write, and develop queries.
Knowledge of BI tools (Hex is a plus).
Technical degree completed or higher education in progress in related fields such as Business Administration, Finance, Engineering, or similar areas.
Strong analytical and problem-solving skills, with a sense of autonomy to execute delegated tasks and take ownership of assigned projects.
Experience using fraud detection tools and software.
Strong learning ability.
Benefits
- 100% company-funded health and dental insurance for employees and immediate family members
- Life Insurance
- Meal voucher and catered lunches at the office
- R$400,00 Commuting benefit
- R$180,00 for home office assistance
- Incentive for the phone finance product
- Budget for noise-canceling headphones
- Budget for home office equipment
- Annual budget for wellness perks
- $2,000 USD annual Co-working travel perk
- $2,000 USD annual Professional Development perk
Skills Required
- Experience in fraud prevention (onboarding, core fraud, behavioral analysis, risk indicators)
- Fluency in English or Spanish, verbal and written
- Proficient in SQL (ability to understand, write, and develop queries)
- Knowledge of BI tools (Hex is a plus)
- Technical degree completed or in progress in Business Administration, Finance, Engineering, or similar
- Experience using fraud detection tools and software
- Strong analytical and problem-solving skills, autonomy, and ownership
- Strong learning ability
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.
