Who you are
The ideal candidate combines deep fraud/risk product experience with genuine technical fluency—someone who can evaluate ML model performance, see where AI agents can automate fraud triage and investigation, and still keep the customer experience front and center. You thrive in ambiguity, can sequence competing priorities across multiple geographies, and communicate fraud posture and strategic tradeoffs to senior leadership with clarity and conviction. Above all, you believe that financial inclusion and world-class fraud prevention aren’t at odds—they’re the same mission.
Additional Bonus Skills
- Experience with fraud in emerging markets (Latin America, Africa, or Southeast Asia)—where fraud patterns, data availability, and infrastructure look very different from the US/EU.
- Familiarity with fraud prevention tools and vendors (e.g., Sift, Arkose Labs, Sardine, or equivalent).
- Background in device intelligence, behavioral biometrics, or identity verification technologies.
- Prior experience building or integrating ML-based fraud detection models (you don’t need to train them—but you should know how to evaluate and improve them).
- Hands-on experience applying AI/LLM agents to fraud operations workflows—automated investigation, intelligent case routing, or generative risk scoring.
- Knowledge of compliance regulations related to fraud (e.g., AML, KYC).
- Fluency in Spanish.
PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed