FraudOperationsSpecialist

## Description 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 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