Fraud Investigation Analyst

Traveloka; Cikoko; On-site; IDR 89,280,000 - 133,920,000; Full time

Job summary

Traveloka is seeking a dedicated Fraud Ops professional to monitor and investigate suspicious transactions, protect payment integrity, and respond to stakeholder reports across Southeast Asia. You will own cases, tune rules, and partner with risk, product, and compliance teams to deter fraud while preserving a smooth customer experience.

The role emphasizes accountability for decisions, cross-market patterns, and collaboration with fraud analytics to identify evolving risk.

Qualifications

• You have at 1 - 3 years in fraud payments, or lending operations and have personally owned investigations that mattered
• You make confident, well-reasoned decisions independently and document them to an audit standard
• You influence partners and stakeholders with evidence, not authority, and get fixes shipped
• You communicate clearly and persuasively in English, in writing and in person
• You work fluidly across multiple markets, rule sets, and regulatory contexts
• Worked across more than one Southeast Asian lending market and understand how local fraud and regulation differ is a plus

Responsibilities

• Perform monitoring on suspicious fraud transactions on payment, promo abuse, and suspect fraud activity on platform, conduct investigation when alert(s) fire to decide whether alerts are correctly identifying fraud, and triage as necessary.
• Conduct investigation on dispute-eligible and potential non-paylater fraud transactions to ensure that fraudulent transactions are correctly rejected and immediate actions taken. When necessary, expand to related accepted fraud transaction(s) to identify transaction patterns and perform immediate actions accurately.
• Handle escalated customer complaints related to payment and platform fraud and perform required investigations and perform immediate action required.
• Respond in timely manner towards fraud reports escalated by Traveloka internal party on potential suspicious dispute-eligible and other non-Paylater transactions reports. Immediate actions shall be performed once investigation concludes. When required and in timely manner, elevate to Fraud Analytics to analyze transaction patterns.

Skills

Fraud investigations

Decision making

Stakeholder influence

English communication

Cross-market work

Job description

About Traveloka

Traveloka is Southeast Asia's leading travel and lifestyle super-app. We connect tens of millions of travellers across the region with flights, hotels, experiences, financial services, and more — all from a single platform. Since our founding in 2012, we have expanded to eleven markets, processed billions of dollars in transactions, and built one of the most recognised consumer brands in the region.

Job Description

Job ID: MJ000366

About Traveloka

Traveloka is Southeast Asia's leading travel and lifestyle super-app. We connect tens of millions of travellers across the region with flights, hotels, experiences, financial services, and more — all from a single platform. Since our founding in 2012, we have expanded to eleven markets, processed billions of dollars in transactions, and built one of the most recognised consumer brands in the region.

We move fast because the region demands it. Southeast Asia is young, mobile-first, and growing faster than almost anywhere else on earth. We are not transplanting a Western playbook — we are writing a new one, from scratch, for a market that does not look like anywhere else — and we are calling for people who want to be part of that.

About The Team

Fraud Ops is the front line that keeps Traveloka's financing products safe to use and worth trusting. As we extend credit, instalment, and pay-later options across Southeast Asia, you protect customers and the business from the bad actors who follow the money — investigating suspicious applications, tuning detection rules, and acting on cases before losses compound, all without slowing down the honest traveller who just wants to book their trip.

This is operations with real stakes and real numbers behind it. You will work across markets with very different fraud patterns and credit infrastructure, turn what you see in the field into sharper rules and faster decisions, and partner closely with risk, product, and compliance. If you like chasing signals, owning outcomes, and building defences for a problem that keeps changing, you will have plenty to do here.

About The Job

As an expert individual contributor with no direct reports, by P3 you are a fully competent fraud operator — the person other analysts ask when a case is genuinely strange. You are accountable for the calls you make and the course of action they set, working problems that are often vaguely defined and reach into product, risk, and partner-bank territory.

• Perform monitoring on suspicious fraud transactions on payment, promo abuse, and suspect fraud activity on platform, conduct investigation when alert(s) fire to decide whether alerts are correctly identifying fraud, and triage as necessary.
• Conduct investigation on dispute-eligible and potential non-paylater fraud transactions to ensure that fraudulent transactions are correctly rejected and immediate actions taken. When necessary, expand to related accepted fraud transaction(s) to identify transaction patterns and perform immediate actions accurately.
• Handle escalated customer complaints related to payment and platform fraud and perform required investigations and perform immediate action required.
• Respond in timely manner towards fraud reports escalated by Traveloka internal party on potential suspicious dispute-eligible and other non-Paylater transactions reports. Immediate actions shall be performed once investigation concludes. When required and in timely manner, elevate to Fraud Analytics to analyze transaction patterns.

Job Requirements

• You have at 1 - 3 years in fraud payments, or lending operations and have personally owned investigations that mattered
• You make confident, well-reasoned decisions independently and document them to an audit standard
• You influence partners and stakeholders with evidence, not authority, and get fixes shipped
• You communicate clearly and persuasively in English, in writing and in person
• You work fluidly across multiple markets, rule sets, and regulatory contexts
• Worked across more than one Southeast Asian lending market and understand how local fraud and regulation differ is a plus

Join Us

If you have read this far and felt something click — the problem, the scale, the moment — we would like to hear from you.

We review every application. If your background is a strong fit, you will hear from us within 5 business days.

We are building the kind of company where strong people choose to stay because the work keeps getting bigger and better. If that is what you are looking for, apply.