Junior Risk Operations Analyst

At PayMongo, we're building financial infrastructure that helps businesses accept payments, manage money, and grow with confidence. As more businesses move online, maintaining trust in the financial system becomes increasingly important—and that's where our Risk Operations team comes in.

We're looking for a Junior Risk Operations Analyst to help protect businesses, customers, and the broader payments ecosystem from fraud, financial crime, and compliance risks.

This role is ideal for someone who enjoys investigating unusual patterns, making sense of data, and solving complex problems. Whether your experience comes from fraud operations, AML, compliance, transaction monitoring, or investigations, you'll have the opportunity to apply your analytical skills in a fast-moving fintech environment where trust and customer experience go hand in hand.

What You will Do:

As a Junior Risk Operations Analyst, you'll play a key role in supporting PayMongo's financial crime monitoring and risk management efforts.

You will:

• Review merchant activity and investigate unusual behavior or emerging risk signals.
• Analyze transactions flagged by fraud and risk monitoring systems.
• Conduct AML-related reviews, sanctions screening, and customer monitoring activities.
• Investigate alerts and document findings with clear, well-supported recommendations.
• Support regulatory reporting and audit requirements through accurate and timely documentation.
• Escalate potential fraud, compliance, and financial crime concerns to the appropriate stakeholders.
• Identify recurring patterns and opportunities to improve monitoring processes and controls.
• Partner with teams across Risk, Compliance, Operations, and Product to help strengthen PayMongo's risk management capabilities.

No two days look exactly the same. One day you may be reviewing a sudden spike in merchant activity, while the next you could be investigating suspicious transaction behavior or helping assess a potential sanctions match.

What We're Looking For

We're looking for someone who combines strong analytical thinking with sound judgment and attention to detail.

You may be a great fit if you have:

• At least 1 year of experience in risk operations, fraud monitoring, AML, compliance, transaction review, investigations, or a related field.
• Experience in fintech, payments, banking, financial services, or another regulated industry.
• Familiarity with concepts such as KYC, AML, fraud prevention, sanctions screening, or financial crime monitoring.
• The ability to analyze information, identify patterns, and make thoughtful recommendations.
• Strong written communication and documentation skills.
• A high level of ownership, attention to detail, and commitment to quality.
• Comfort working with operational tools, dashboards, spreadsheets, and case management systems.

Why Join PayMongo?

Risk Operations sits at the heart of trust and safety at PayMongo. The work you do will directly contribute to protecting businesses, supporting regulatory compliance, and helping ensure that our platform remains a safe and reliable place to transact.

You'll gain hands-on exposure to:

• Fraud prevention and risk operations
• Anti-money laundering (AML) monitoring
• Financial crime investigations
• Payments and fintech operations
• Regulatory compliance in a high-growth environment

Most importantly, you'll be part of a team that helps businesses move money confidently and securely every day.

About PayMongo

PayMongo empowers businesses with powerful financial tools that make it easier to accept payments, manage money, and grow. We're building the future of financial services in the Philippines—and we're looking for people who want to build it with us.

Ready to make an impact? We'd love to hear from you.