About Me
joyce
About Joyce Gitumbi
Risk, Payments & Operations Professional

I am a fraud and risk professional with extensive experience across financial services, digital payments, e-commerce and aviation.

My professional background includes more than a decade working in fraud prevention and risk roles, with experience spanning transaction monitoring, fraud investigations, chargeback management, payment risk, operational controls and process improvement.

Throughout my career, I have worked closely with operational teams, financial institutions, payment partners, customers and other stakeholders to identify risks, resolve complex issues and strengthen fraud prevention processes.

I believe effective fraud prevention requires more than technology. Strong processes, informed decision-making and collaboration between teams are equally important.

My approach is practical and focused on understanding the operational environment, identifying areas of risk and improving processes in a way that supports both security and business performance.

Education
2016
Kenya Methodist University

Procurement & Supply Chain Management

Bachelor of Business Administration
2008
Diploma in Tourism & Travel Services Management