Define and own PayJoy's global anti-fraud operations across all markets, products, and distribution channels — from physical retail to fully digital onboarding
Set the vision for how fraud operations becomes a measurable competitive advantage: higher approval rates, lower fraud losses, and a better user experience than our competitors
Translate strategy into executable roadmaps, working cross-functionally with Product, Engineering, Data Science, and regional GMs
Represent fraud risk at the leadership level, clearly communicating trade-offs between growth, user experience, and loss exposure
Own end-to-end fraud operations including user onboarding, KYC/identity verification, transaction monitoring, dispute resolution, and fraud investigations
Optimize fraud rules, models, and workflows across geographies, balancing fraud loss rates with onboarding pass rates and false positive rates
Lead, develop, and scale a team of 20+ fraud operations analysts and managers across 10 countries
Own and report on key fraud KPIs including fraud loss rate, false positive rate, onboarding pass rate, investigation SLAs, and chargeback rates
Build reporting infrastructure that gives leadership real-time visibility into fraud trends and emerging threats
Build a high-performance team culture grounded in data-driven decision making, operational rigor, and continuous improvement
Mentor and develop the next generation of fraud leaders within PayJoy

10+ years of experience in fraud, financial crime, or risk operations, with at least 5 years in a leadership role
Proven experience managing and developing teams of 20+ people, ideally across multiple geographies or time zones
Deep expertise in fraud patterns — including first-party fraud, synthetic identity, account takeover, bust-out fraud, and organized fraud rings
Experience building KYC and identity verification systems for underbanked or thin-file populations
Hands-on experience with fraud rules engines, device intelligence platforms, and fraud analytics tooling
Advanced SQL skills; ability to independently analyze data, build fraud monitoring dashboards, and derive actionable insights
Fluency in Spanish & English required; Portuguese a strong plus
Experience operating in at least one LatAm market (Mexico, Colombia, or Brazil strongly preferred)
Strong written and verbal communication skills; ability to influence senior stakeholders and cross-functional partners without direct authority

Local benefits depending on the country of hire
Company-funded health insurance for employee and immediate family
Company-funded employee life and disability insurance
Paid vacation days, unlimited sick leave
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
Phone finance, headphone benefit, home office equipment allowance and wellness perks
Catered lunches

Fraud Operations Director

Key skills