Senior Associate, Fraud Operations

YouTrip; Petaling Jaya; On-site; MYR 120,000 - 180,000; Full time

Job summary

YouTrip is seeking a Fraud Operations Senior Associate (Malaysia) to safeguard users and the platform from card fraud and scams. You will leverage data analytics to identify patterns, monitor alerts, and drive investigations while ensuring compliance with payment regulations and card scheme rules.

You will lead a team of analysts, translate findings into actionable controls, and collaborate with Compliance, Customer Service, and Product to strengthen fraud defenses in a fast-growing fintech

Qualifications

• Experience in fraud detection and prevention within payments.
• Strong data-driven problem solving and analytical skills.
• Ability to lead and mentor a team of analysts.
• Collaborative mindset with cross-functional teams.

Responsibilities

• Lead and mentor a team of Fraud Operation Analysts, guiding investigations and improvements.
• Monitor and analyse fraud alerts, propose system performance enhancements.
• Use data analytics to identify patterns and anomalies in transactions and user activity.
• Conduct investigations into suspicious activities and escalated fraud cases.
• Identify gaps in processes, propose and implement operational enhancements.
• Develop strategies from findings to prevent future incidents.
• Collaborate with Compliance, Customer Service, and Product to address fraud risks.
• Ensure compliance with payment regulations and card scheme rules.

Skills

Fraud detection

Data analytics

Payments domain

Leadership

Tools

Visa Risk Manager

MasterCard Decision Intelligence

Tableau

Job description

We Are

YouTrip is the leading and fastest-growing multi-currency payment platform in Asia Pacific. In 2018, we pioneered the region's first multi-currency digital wallet. Now, YouTrip is the #1 multi-currency digital wallet trusted by millions across the region, processing over US$15 billion in total payment value annually.

Our consumer and business propositions – YouTrip and YouBiz – empower individuals and businesses with inclusive, accessible, and affordable financial solutions. YouTrip has raised over US$110 million to date, including its recent Series B round led by global venture capital firm Lightspeed Venture Partners—underscoring strong investor confidence in its mission to transform digital financial services across the Asia Pacific.

Recognised as World Economic Forum’s Global Innovator 2025, CNBC’s World’s Top Fintech Companies (2025, 2024), and LinkedIn’s Top Startup (2024, 2023), YouTrip is dedicated to creating the next generation of digital finance services for consumers and businesses.

Valuing an entrepreneurial culture of diversity and inclusion, we are seeking driven individuals to join our fast-growing regional team as we push the boundaries of innovative fintech solutions.

As a Fraud Operations Senior Associate (Malaysia), you will play a pivotal role in safeguarding the organisation and its users from card fraud and scams. You will leverage your expertise in data analytics and fraud detection to identify patterns and mitigate risks while ensuring the operational efficiency of our fraud detection systems. This role requires a strong strategic mindset, an ability to adapt in a fast-paced environment and a commitment to maintaining compliance with industry regulations.

You Will:

• Lead and mentor a team of Fraud Operation Analysts, providing guidance on investigations and operational improvements
• Monitor and analyse fraud alerts, ensuring accuracy and proposing enhancements to improve system performance
• Utilise data analytics tools and methodologies to identify patterns, trends, and anomalies indicative of fraudulent behaviour in transaction data, user activities and other relevant datasets
• Conduct investigations into suspicious activities and escalated fraud cases
• Evaluate and identify gaps in current systems and processes, using data-driven insights to propose and implement operational enhancements
• Develop and implement strategies based on investigative findings to prevent future incidents
• Collaborate with cross-functional teams, including Compliance, Customer Service, and Product to address fraud risks effectively
• Ensure all fraud-related activities comply with relevant payment regulations and card scheme rules

You Are:

• Fraud enthusiast – You are a vigilant investigator with a strong passion for identifying and mitigating fraudulent activities. Your dedication drives you to stay ahead of evolving fraud tactics
• Analytical thinker with an eye for detail – You excel at problem-solving, leveraging data-driven insights to tackle complex challenges. You naturally focus on the fine details, ensuring nothing slips through the cracks
• Payments expert – You have at least 7+ years of experience in fraud detection and prevention, with at least 5 years in the payments space and card fraud-related role. Your expertise is backed by hands-on experience with tools like Visa Risk Manager and MasterCard Decision Intelligence
• Proactive learner – You thrive in dynamic environments, staying updated on the latest fraud trends, technologies, and regulations. You see change as an opportunity to innovate and adapt
• Fearless initiator – You are confident in proposing and implementing new strategies to combat fraud, whether it’s introducing new controls or fine-tuning existing processes, you’re not afraid to get involved and make an impact
• Tech-savvy collaborator – You are comfortable with spreadsheets, data visualization tools and analytics platforms like Tableau. You leverage these skills to communicate findings and collaborate effectively with cross-functional teams