Validation Support Representative

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** A successful candidate for the role of Fraud Prevention Representative should possess strong communication skills, enabling effective collaboration with his team and different teams across multiple countries. They must have a deep understanding of customer service/fraud prevention principles and the ability to analyze diverse fraud vectors and ensure to adapt to market-specific needs. The candidate should also demonstrate cultural sensitivity, problem-solving abilities, and the capability to receive and act on constructive feedback to drive continuous improvement and maintain high customer satisfaction levels. ### Responsibilities - Real time evaluation and transcript missing information from Identity Documents of suspicious sales flagged by automated tools. - Prevent identity theft and other fraud vectors as well as report them accurately. - Contribute to Finance Order originations by approving good sales and correctly blocking bad sales. - High sense of urgency by reporting issues or bugs derived from Dashboards or Tools. - Manages and resolves customer disputes related to banking transactions, delivering timely and empathetic support in compliance with internal policies and regulatory requirements; proactively identifies and prevents potential fraud by detecting suspicious patterns, conducts in-depth investigations and root-cause analysis, and collaborates with cross-functional teams to ensure accurate resolution and continuous risk mitigation. ### Requirements - Partially or completed technical or university studies in related areas such as Business Administration, Communications, or similar fields. - Basic level of English. - Intermediate knowledge of Microsoft Office tools. - Previous experience in customer service or support, preferably in sales or the financial sector, for at least one year. - Effective communication skills, ability to work in a team, and handle difficult situations under pressure. ### Benefits - 100% Company Funded : Private Health Insurance for employee and immediate family - Pension Fund - Company-funded employee life and disability insurance - 20 days vacation, 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 Lunch