Anti-fraud Manager At Palmpay

About the Role

We are looking for an experienced SME Anti-Fraud Manager to lead the identification, investigation, and prevention of fraud across our SME business.

Important: This is primarily a field and sales-related fraud role, not a traditional AML, transaction monitoring, or card-fraud position.

The successful candidate will investigate fraud involving Business Developers, agents, and merchants, including staff/merchant collusion, fraudulent merchant onboarding, fake businesses, manipulated loan applications, fabricated field activities, merchant deception, and other forms of sales-related misconduct.

Key Responsibilities

• Lead field investigations into suspected merchant and sales staff fraud.
• Investigate cases of BD/merchant collusion and staff misconduct.
• Conduct merchant and field verification visits and investigative interviews.
• Identify fraud patterns across BDs, merchants, markets, and locations.
• Review evidence and prepare clear investigation reports with recommended actions.
• Identify weaknesses in existing processes and develop practical fraud-prevention controls.
• Work closely with Sales, Credit, Risk, Verification, Collections, and Operations teams to reduce fraud losses.
• Train field teams on fraud red flags, prevention, and reporting.

Requirements

• Bachelor's degree in a relevant field.
• 3-5 years of experience in fraud investigation, field verification, credit risk, SME lending, internal controls, collections, or related areas.
• Experience in fintech, digital lending, banking, or microfinance is highly preferred.
• Strong understanding of field sales, merchant acquisition, SME lending, and sales-force fraud.
• Proven experience investigating fraud involving sales staff, agents, merchants, or field operations.
• Strong analytical, investigative, communication, and report-writing skills.
• Must be comfortable conducting field investigations and travelling when required.
• High level of integrity, confidentiality, and accountability.
• Candidates whose experience is only in AML, KYC, transaction monitoring, card fraud, or account takeover without practical experience in field/merchant/sales-related fraud investigation may not be suitable for this role.