Fraud Ops Analyst CL

Socket.dev

Philippines

On-site

PHP 400,000 - 700,000

Full time

9 days ago

Get more replies from employers

Send a job-specific resume in minutes.

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

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Fraud Operations Analyst will be responsible for monitoring, detecting, and investigating fraud across PayJoy's Credit Line and Credit Card products in the Philippines. This role focuses on identifying emerging fraud patterns, conducting fraud investigations, supporting fraud mitigation initiatives, and ensuring operational queues and investigations are managed effectively.

The Fraud Operations Analyst will work closely with Fraud Operations, Risk, Product, Engineering, Collections, and Operations teams to identify control gaps, improve fraud detection capabilities, and strengthen fraud prevention throughout the customer lifecycle. This role is ideal for an analytical and curious individual who enjoys investigations, problem solving, and translating fraud trends into practical actions that protect portfolio quality and support sustainable business growth.

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.

Requirements

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.

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, Headphone, home office equipment and wellness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
Catered Lunch

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles