Fraud Operations Analyst: Detect, Investigate & Mitigate

Socket.dev; Philippines; On-site; PHP 400,000 - 700,000; Full time

Benefits offered by this job

Private health insurance

20 days vacation

Co-working travel perk

Professional development perk

Catered lunch

Phone stipend

Headphones

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 identify emerging patterns, conduct investigations, and support mitigation initiatives to protect portfolio quality and enable sustainable growth.

You will collaborate with Risk, Product, Engineering, and Operations teams to close control gaps and translate fraud trends into practical actions, with a data-driven mindset and strong English

Qualifications

• Bachelor's degree in Finance, Commerce, Business Administration, Statistics, Criminology, Data Analytics, Computer Science or related field.
• 2–4 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 ability to identify patterns and make data-driven recommendations.
• Experience with fraud tools, case management systems, dashboards, and operational reporting.

Responsibilities

• Conduct daily reviews of fraud alerts, high-risk applications, and suspicious activity across Credit Line and Credit Card products.
• Investigate fraud cases including identity fraud, account takeovers, synthetic identities, repeat borrower abuse, device resale, QR-enabled products and other vectors.
• Monitor fraud trends, portfolio performance, and operational metrics to identify new fraud patterns and control weaknesses.
• Perform manual reviews and outreach to validate applications and support investigations.
• Document findings, maintain case records, and escalate suspicious activity timely.
• Support development, testing, and optimization of fraud rules and processes.
• Prepare fraud performance reports and analytical summaries for decision making.
• Collaborate with Risk, Product, Engineering, and Operations to provide fraud insights and recommendations.

Skills

Analytical skills

Data-driven decisions

Communication in English

Fraud investigations

Investigation mindset

Education

Bachelor's degree in Finance, Commerce, Business Administration, Statistics, Criminology, Data Analytics, Computer Science

Tools

Case management systems

Dashboards

Operational 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 identify emerging patterns, conduct investigations, and support mitigation initiatives to protect portfolio quality and enable sustainable growth.

You will collaborate with Risk, Product, Engineering, and Operations teams to close control gaps and translate fraud trends into practical actions, with a data-driven mindset and strong English