Ricardo Allen

Ricardo Allen currently serves as the Global Director of Fraud Strategy at PayJoy, where responsibilities include leading the development and implementation of innovative anti-fraud strategies across various products and countries. As an Independent Consultant since October 2021, Ricardo provides expert guidance in fraud prevention and chargeback processes while optimizing operational costs. Previously, as the Director of Operations at YoCripto, the launch of the first bitcoin cashback credit card in Latin America was achieved. Ricardo also held positions at Shopee as Head of Fraud Prevention, and at Konfío in multiple roles such as Authorization, Fraud & Performance Director, where a comprehensive fraud management strategy was developed. Experience at PayClip Inc., Citibanamex, Walmart, and Nestlé further enhances Ricardo's expertise in fraud risk management and operational controls.