Fraud Analyst (1 Year Contract)

YouTrip · Petaling Jaya, Malaysia (Hybrid) · Contract · Posted 2026-10-08

Workplace: hybrid

Department: Compliance

Description

We Are:

YouTrip 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.

You Will:

Conduct ongoing fraud alert reviews to identify for fraudulent charges using Fraud Monitoring System (“FMS”) for our consumer and business segments in Singapore and regionally.
Perform investigations and analysis of all cardholders disputed transactions and make appropriate decisions on next steps, minimising financial losses without compromising customer experience.
Collaborate with other key business functions to ensure a smooth end-to-end internal process to achieve customer satisfaction and safeguard company’s and users’ interests.
Proactively identify new fraud patterns, fraudulent merchants and merchant/acquirer points of compromise for reporting to the Team Lead for remediation measures.
Perform any other ad-hoc compliance duties.

Requirements

You Are:

Fraud enthusiast – you are an astute investigator with an unwavering commitment to detecting and preventing fraudulent transactions.
Analytical & detail-oriented thinker – you possess excellent problem-solving skills with demonstrated experience in solving complex business with analytical thinking. You have the natural tendency to always focus on details and hate to miss out on specifics.
Travel enthusiast – you are a passionate traveller and understand the psychology of traveller, in particular when it comes overseas spending behavior and its associated risks.
Fearless self-starter – you are not afraid to suggest and implement new initiatives to tackle complex business issues, as long as the rationale are logical and sound. You do not mind getting your hands dirty in order to get things done in tight timeline.

Apply

Apply at YouTrip

About the company

YouTrip offers a multi-currency mobile wallet with a Mastercard (physical and virtual) for payments, focusing on travelers and SMEs who deal with multiple currencies. Users load funds, exchange currencies in-app at wholesale rates, and pay with the card in 150+ countries or transfer money internationally to 40+ countries. The service is transparent about fees, charges no foreign exchange fees, and uses wholesale rates rather than retail; it also provides YouBiz, a corporate card with unlimited 1% cashback for all spending. Its goal is to make cross-border spending cheaper and simpler for individuals and small to medium-sized businesses by providing affordable multi-currency wallets, flexible payments, and straightforward corporate expense tooling.

Company Size

201-500

Company Stage

Series B

Total Funding

$105.5M

Headquarters

Singapore, Singapore

Founded

2016

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Simplify's Take

What believers are saying

On May 28, 2026, YouTrip said it already secured licenses for two more markets.
On August 19, 2026, YouTrip launched its 8th birthday campaign with 3% cashback.
YouTrip's Singapore site updated August 26, 2026, advertising zero ATM fees from June 15.

What critics are saying

On February 24, 2026, transaction declines and delayed charges hit users, damaging trust.
Australia expansion and two planned markets intensify direct competition with Wise and Revolut.
YouTrip funds are not SDIC-insured; a safeguarding failure triggers a fatal run.

What makes YouTrip unique

YouTrip Family launched May 28, 2026, giving parents up to 10 child accounts.
YouTrip entered Australia on January 6, 2026, its third active market.
YouBiz gives Singapore SMEs S$0 monthly fees, unlimited 1% cashback, and 0% FX fees.

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Benefits

Hybrid Work Options

Growth & Insights and Company News

Headcount

6 month growth

-3%

1 year growth

-1%

2 year growth

Benzinga

Nov 6th, 2023

Multi-Currency Fintech Firm YouTrip Secures $50 Million In Series B Funding From Lightspeed Venture Partners

In the financial year that concluded in March 2022, YouTrip reported a 49% year-on-year increase in revenue, reaching $2.6 million.

The Business Times

Oct 26th, 2023

YouTrip raises US$50 million Series B round led by Lightspeed

MULTI-CURRENCY payments platform YouTrip has raised a US$50 million Series B round, as the startup rides the wave of recovery in tourism. Read more at The Business Times.

TechCrunch

Oct 25th, 2023

Singapore-Based Fintech Youtrip Picks Up $50M Led By Lightspeed

YouTrip, a Singapore-based fintech that offers multi-currency wallet for consumers and business accounts with corporate cards for SMEs, has its eyes on growth throughout Southeast Asia after landing a Series B led by Lightspeed. The round was $50 million, and brings YouTrip’s total raised to $100 million since it launched in 2018.The new funding will be used to develop YouTrip’s product technology and hire more than 100 new positions for its regional team as it launches in new Southeast Asian markets, including Indonesia, Malaysia, the Philippines and Vietnam. The company is a Major Payment Institution licensed by the Monetary Authority of Singapore, and its services include payments, foreign exchange, remittances and cards.Since its inception five years ago, YouTrip has processed close to $10 billion USD in annualized transaction volume and its e-commerce payment volume has grown 238% in annualized transaction volume since its Series A in 2021.TechCrunch last covered YouTrip in November 2021, when it raised a $30 million Series A led by prominent family offices in Asia who wanted to be unnamed, but were returning investors. Chu tells TechCrunch that YouTrip’s backing by family offices gave it an advantage, because those relationships tend to be very long-term. This time YouTrip made the decision to work with a venture backed company.At the time of our last conversation with Chu two years ago, YouTrip was recovering from the pandemic as travel resumed in Southeast Asia, especially Singapore. It was also preparing for the launch of YouBiz, its corporate card, as more SMBs adopted digital financial services

Crowdfund Insider

Nov 30th, 2021

Singapore Based Fintech YouTrip Raises US$30 Million Series A | Crowdfund Insider

YouTrip, a digital financial services platform and aspiring neobank, has raised US$ 30 million in Series A funding, according to a company statement.

YouTrip

Fraud Analyst

About the job