Fraud Operations Director

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

Experience at a high-growth fintech, lending platform, or marketplace operating in LatAm

Familiarity with device-based fraud vectors — IMEI fraud, point-of-sale collusion, device resale schemes — relevant to secured lending or device financing models

Experience working with Data Science teams to develop, evaluate, and deploy ML fraud models

Ability to work with Product and Engineering teams

Python or equivalent scripting for data analysis and fraud workflow automation