About PayJoy   PayJoy, a Public Benefit Corporation, 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 card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and 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 Operations Representative is responsible for conducting reviews and investigations of card transactions, merchants, 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 compliance 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, product, engineering and operations teams from other countries, 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. QUALIFICATIONS * Minimum of 1 year of experience in fraud prevention, anti-fraud processes, fraud examination preferably within the financial services industry. * Recommended English level: Advanced (C1 or higher). Candidates must be able to communicate fluently, both verbally and in writing, in professional and technical contexts. * Basic knowledge of SQL – ability to understand and write simple queries (e.g., SELECT, JOIN, WHERE)  * Completed Technical or partially university studies in related areas such as Business Administration, Finance or similar. * 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. 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