Fraud Operations Specialist

Payjoy

Jun 3, 2026

Location: São Paulo
Workplace: Hybrid
Type: Full-time
Department: Financial Products
Seniority: Mid
Industry: Financial Services
Category: Risk Management
Role type: Individual Contributor
Environment: Office
Source: Lever

Overview

As a Fraud Operations Specialist at PayJoy, you'll analyze and investigate key risk indicators related to partners and customers in the Phone Finance product. Your primary responsibilities include identifying potential misconduct and fraudulent activities, conducting preventive monitoring, and implementing actions to mitigate risks. You'll work directly with investigative activities to protect the company's portfolio and continuously improve fraud-related processes using cutting-edge machine learning and data science technologies.

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 Specialist is responsible for conducting analyses and investigations related to key risk indicators involving partners and customers within the Phone Finance product, with the objective of identifying potential misconduct, fraudulent activities, and operational vulnerabilities.

This position acts directly in preventive monitoring and investigative activities, supporting the company in identifying suspicious behaviors, mitigating risks, and implementing actions to protect the portfolio and continuously improve fraud-related processes.

Skills

SQLMachine LearningData ScienceCompliance

Benefits

100% company-funded health and dental insurance for employees and immediate family membersLife InsuranceMeal voucher and catered lunches at the officeR$400,00 Commuting benefitR$180,00 for home office assistanceIncentive for the phone finance productBudget for noise-canceling headphonesBudget for home office equipmentAnnual budget for wellness perks$2,000 USD annual Co-working travel perk$2,000 USD annual Professional Development perk

Languages

English

About PayJoy

PayJoy is a mission-first credit provider dedicated to helping underserved customers in emerging markets achieve financial stability through innovative technology solutions.