Fraud Operations Lead

About the role

Djamo, a fintech offering online and offline payments, peer-to-peer transactions, fund transfers, savings and budgeting tools in Côte d'Ivoire and Senegal, is looking for a Fraud Operations Lead. Reporting to the COO, the role owns the day-to-day management of fraud alerts, investigations and operational responses across customer accounts, transactions, cards, credit products and the agent network, aiming to reduce fraud losses while protecting customers and limiting friction for legitimate users. It is a hands-on, execution-focused role with field work to audit physical distribution vulnerabilities and agent/merchant networks.

Key responsibilities

• Monitor suspicious transactions, accounts and agent activity daily, reviewing real-time alerts within agreed SLAs
• Identify and catalogue fintech fraud patterns such as account takeovers, synthetic KYC fraud, social engineering, card and credit fraud, and collusion between agents and employees
• Work with Data, Product and Engineering to improve detection rules, ML parameters, alert prioritisation and tooling
• Own fraud cases from triage to closure, coordinate urgent incident responses and establish severity levels and escalation paths
• Document evidence and outcomes, coordinate financial recovery and external escalations with Finance, Legal and Compliance
• Build investigation playbooks, case management workflows and quality standards, and automate manual bottlenecks
• Maintain on-call escalation arrangements and lead, mentor and QA the team of Fraud & Risk Analysts
• Report to the COO on fraud losses, incident trends, response times and recoveries, and turn findings into prioritised recommendations

Required profile

• At least 5 years of experience in fraud operations, transaction monitoring or financial investigations in fintech, payments, digital banking or mobile money
• Proven leadership of a team of analysts or ownership of a standalone fraud operations function
• Hands-on experience investigating transaction fraud, account abuse and syndicate schemes
• Experience building operational workflows, playbooks and reporting frameworks from scratch
• Professional fluency in French and sufficient English; direct experience in the West African financial services ecosystem is highly advantageous

Required skills

• Strong analytical skills, including mastery of Excel and the ability to write SQL queries or work with data engineering teams
• Experience with fraud monitoring systems, case management software and transaction graph analysis tools
• Ability to make timely, evidence-based decisions under pressure