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PayJoy is a Public Benefit Corporation providing mission-driven credit solutions to underserved customers in emerging markets. The company uses patented secured credit technology, point-of-sale financing, and card offerings to help customers achieve financial stability. With cutting-edge machine learning and anti-fraud AI, PayJoy has served over 18 million customers as of 2025 while maintaining profitability.
The Fraud Operations Representative will be central to protecting PayJoy's customers and financial assets through proactive fraud detection and mitigation. You will monitor and analyze card transactions, merchants, clerks, and customers to identify fraudulent patterns and implement prevention tactics. Key responsibilities include:
• Monitor and analyze transactions for potential fraudulent activity in compliance with fraud prevention strategies and procedures
• Investigate and resolve reported fraud cases with timely and accurate documentation
• Develop and implement fraud prevention strategies and procedures
• Collaborate with customer service, product, engineering, and operations teams across 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
• Assist in training and educating team members on fraud prevention and detection
This role offers the opportunity to work on high-impact financial crime prevention at a rapidly scaling fintech company serving emerging markets. You'll work cross-functionally with product, engineering, and customer support teams to build robust fraud defenses.
REQUIREMENTS:
• Minimum 1 year of experience in fraud prevention, anti-fraud processes, or fraud examination, preferably within financial services
• Advanced English proficiency (C1 or higher) for fluent verbal and written communication in professional and technical contexts
• Basic SQL knowledge—ability to understand and write simple queries (SELECT, JOIN, WHERE)
• Completed technical studies or partial university studies in Business Administration, Finance, or related fields
• Knowledge of regulatory requirements and compliance standards in Mexico
• Strong analytical and problem-solving skills with sense of autonomy to own delegated projects
• Proficiency with fraud detection software and tools
• Strong learning aptitude
