Fraud Investigation Analyst BSD City, Indonesia Corporate Functions 2026.09.22

Traveloka; Pagedangan; Hybrid; IDR 180,000,000 - 320,000,000; Full time

Job summary

Traveloka is seeking an expert Fraud Operations Analyst to monitor payments, promos, and platform activity, investigate suspicious cases, and act on findings to protect customers and the business.

You will work across Southeast Asian markets, collaborating with risk, product, and compliance teams, and you will own cases from detection through resolution while upholding audit standards.

Qualifications

• 1–3 years in fraud payments or lending operations.
• Ability to make independent, well-reasoned decisions and document them to audit standards.
• Influence partners with evidence and ship fixes.
• Clear, persuasive English communication, written and spoken.
• Experience across multiple Southeast Asian lending markets and regional regulatory context is a plus.

Responsibilities

• Monitor suspicious fraud transactions on payments, promos, and platform fraud; investigate alerts to confirm fraud signals.
• Investigate dispute-eligible and potential non-paylater fraud transactions; identify patterns and take immediate actions.
• Handle escalated customer complaints related to payment and platform fraud; conduct investigations and take actions.
• Coordinate with internal Traveloka teams and, when needed, escalate to Fraud Analytics to analyze transaction patterns.

Skills

Fraud payments

Investigation ownership

Decision making

English communication

Multi-market experience

Job description

Join Traveloka and channel your passion into a rewarding career

About Traveloka Traveloka is Southeast Asia’s leading all-in-one travel platform connecting millions globally with trusted, world-class experiences. With over 140 million app downloads and more than 40 million monthly active users, Traveloka stands as one of the most popular travel apps 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

At Traveloka, we firmly believe in equal opportunities for all because diversity drives creativity and excellence. We encourage individuals from diverse backgrounds to apply for opportunities with us. Our hiring decisions are based on qualifications and merit in accordance with a fair and transparent process, regardless of race, ethnicity, religion, sex, gender identity, sexual orientation, age, marital status, disability, military service, or any other aspect of diversity.