Joyce Gitumbi
Risk | Payments | Operations
Fraud and risk professional with extensive experience across financial services, digital payments, e-commerce and aviation.
My professional experience includes fraud prevention, transaction monitoring, payment risk, investigations, operational controls, chargeback management and process improvement.
Professional Approach
Practical Experience
Experience developed through hands-on work in payments, e-commerce, aviation and financial services.
Risk-Focused Thinking
A practical understanding of fraud exposure, transaction risk, operational controls and customer protection.
Cross-Functional Collaboration
Experience working with internal teams, banks, payment partners, customers and other stakeholders.
Process Improvement
Experience identifying operational weaknesses and improving processes to support better outcomes.
Professional Experience
I have built my professional experience across financial services, digital payments, e-commerce and aviation, with a particular focus on fraud prevention, risk management and operational processes.
My experience includes transaction monitoring, fraud investigations, chargeback management, payment risk controls, team supervision, stakeholder engagement and process improvement.
Fraud & Risk
Fraud prevention, detection, investigations, transaction monitoring and operational risk.
Payments & Fintech
Payment operations, transaction risk, chargebacks, financial institutions and digital payment environments.
E-Commerce
Online transaction risk, payment fraud, customer protection and revenue protection.
Aviation
Extensive experience in airline e-commerce, payment fraud prevention and revenue protection.
Areas of Expertise
- Fraud Prevention & Detection
- Transaction Monitoring
- Payment Risk
- Chargebacks & Dispute Management
- Fraud Investigations
- Operational Risk
- Process Improvement
- Fraud Awareness & Training
Industry Experience
Experience in fraud prevention, transaction monitoring and operational risk.
Experience across payment transactions, payment risk and fraud prevention.
Experience managing online transaction and payment-related fraud risks.
More than a decade of experience in airline e-commerce, fraud prevention and payment risk.