Fraud Operations Specialist

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 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

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

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.