Senior Associate, Fraud Operations

Senior Associate, Fraud OperationsHybridLegal & ComplianceFull timePetaling Jaya, Selangor, MalaysiaShare this job DescriptionWe AreYouTrip is the leading and fastest-growing multi-currency payment platform in Asia Pacific. In 2018, we pioneered the region's first multi-currency digital wallet. Now, YouTrip is the #1 multi-currency digital wallet trusted by millions across the region, processing over US$15 billion in total payment value annually. Our consumer and business propositions – YouTrip and YouBiz – empower individuals and businesses with inclusive, accessible, and affordable financial solutions. YouTrip has raised over US$110 million to date, including its recent Series B round led by global venture capital firm Lightspeed Venture Partners—underscoring strong investor confidence in its mission to transform digital financial services across the Asia Pacific. Recognised as World Economic Forum’s Global Innovator 2025, CNBC’s World’s Top Fintech Companies (2025, 2024), and LinkedIn’s Top Startup (2024, 2023), YouTrip is dedicated to creating the next generation of digital finance services for consumers and businesses.Valuing an entrepreneurial culture of diversity and inclusion, we are seeking driven individuals to join our fast-growing regional team as we push the boundaries of innovative fintech solutions. As a Fraud Operations Senior Associate (Malaysia), you will play a pivotal role in safeguarding the organisation and its users from card fraud and scams. You will leverage your expertise in data analytics and fraud detection to identify patterns and mitigate risks while ensuring the operational efficiency of our fraud detection systems. This role requires a strong strategic mindset, an ability to adapt in a fast-paced environment and a commitment to maintaining compliance with industry regulations.You Will:Lead and mentor a team of Fraud Operation Analysts, providing guidance on investigations and operational improvementsMonitor and analyse fraud alerts, ensuring accuracy and proposing enhancements to improve system performanceUtilise data analytics tools and methodologies to identify patterns, trends, and anomalies indicative of fraudulent behavior in transaction data, user activities and other relevant datasetsConduct investigations into suspicious activities and escalated fraud casesEvaluate and identify gaps in current systems and processes, using data-driven insights to propose and implement operational enhancementsDevelop and implement strategies based on investigative findings to prevent future incidentsCollaborate with cross-functional teams, including Compliance, Customer Service, and Product to address fraud risks effectivelyEnsure all fraud-related activities comply with relevant payment regulations and card scheme rulesRequirementsYou Are:Fraud enthusiast – You are a vigilant investigator with a strong passion for identifying and mitigating fraudulent activities. Your dedication drives you to stay ahead of evolving fraud tacticsAnalytical thinker with an eye for detail – You excel at problem-solving, leveraging data-driven insights to tackle complex challenges. You naturally focus on the fine details, ensuring nothing slips through the cracksPayments expert – You have at least 7+ years of experience in fraud detection and prevention, with at least 5 years in the payments space and card fraud-related role. Your expertise is backed by hands-on experience with tools like Visa Risk Manager and MasterCard Decision IntelligenceProactive learner – You thrive in dynamic environments, staying updated on the latest fraud trends, technologies, and regulations. You see change as an opportunity to innovate and adaptFearless initiator – You are confident in proposing and implementing new strategies to combat fraud, whether it’s introducing new controls or fine-tuning existing processes, you’re not afraid to get involved and make an impactTech-savvy collaborator – You are comfortable with spreadsheets, data...