Fraud Operations Analyst: Detect & Investigate Fraud

StartX; Philippines; On-site; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Private Health Insurance for employee+

20 days vacation

Phone stipend

Headphones

Home office equipment

Wellness perks

Co-working Travel perk

Professional Development perk

Catered Lunch

Job summary

PayJoy in the Philippines is seeking a Fraud Operations Analyst to monitor, detect, and investigate fraud across Credit Line and Credit Card products. You will work with Fraud Operations, Risk, Product, Engineering, Collections, and Operations teams to strengthen controls and protect portfolio quality.

The role focuses on identifying emerging fraud patterns, conducting investigations, and supporting fraud mitigation initiatives, with an analytical and curious mindset for practical action.

Qualifications

• Bachelor's degree in Finance, Commerce, Business Administration, Statistics, Criminology, Data Analytics, Computer Science, or a related field.
• Two to four years of experience in fraud operations, fraud investigations, financial crime, card fraud, consumer lending fraud, or digital payment fraud.
• Strong analytical and problem-solving skills with the ability to identify patterns, investigate anomalies, and make data-driven recommendations.
• Experience working with fraud tools, case management systems, dashboards, and operational reporting.
• Strong written and verbal communication skills in English.
• Ability to manage multiple investigations simultaneously while maintaining high quality standards and meeting operational targets.

Responsibilities

• Conduct daily reviews of fraud alerts, high-risk applications, and suspicious customer activity across Credit Line and Credit Card products.
• Investigate fraud cases involving identity fraud, account takeovers, synthetic identities, repeat borrower abuse, device resale, QR-enabled products, and other emerging fraud vectors.
• Monitor fraud trends, portfolio performance, customer utilization behaviour, and operational metrics to proactively identify new fraud patterns, unusual QR code transactions, rapid credit line drawdowns, circular fund movements, cash-out schemes, mule activity, merchant collusion, and control weaknesses.
• Perform manual reviews and customer outreach activities where required to validate applications and support fraud investigations.
• Document investigation findings, maintain accurate case records, and ensure timely escalation of suspicious activity.
• Support the development, testing, and optimization of fraud rules, controls, and operational processes.
• Prepare fraud performance reports, deep dives, and analytical summaries to support decision making and fraud mitigation initiatives.
• Partner with Risk, Product, Engineering, Collections, and Operations teams to provide fraud insights and recommend process improvements.

Skills

Analytical skills

Fraud tools experience

Case management

Dashboards

Operational reporting

English communication

Education

Finance degree

Statistics degree

Data Analytics

Computer Science degree

Tools

Case management systems

Dashboards

Reporting tools

Job description

PayJoy in the Philippines is seeking a Fraud Operations Analyst to monitor, detect, and investigate fraud across Credit Line and Credit Card products. You will work with Fraud Operations, Risk, Product, Engineering, Collections, and Operations teams to strengthen controls and protect portfolio quality.

The role focuses on identifying emerging fraud patterns, conducting investigations, and supporting fraud mitigation initiatives, with an analytical and curious mindset for practical action.